Annual Report 2004
We believe in you
iii
Bp Erlan Cahyana, a customer of our DSP Franchise Catering specifically to the needs of those who work in factor y complexes and industrial estates, we opened 57 designated units for this large market in 2004.
Mr. Kim Joo Hyung, President Director PT LG Electronics Indonesia, a Corporate Banking Customer “Bank Danamon was the first Indonesian bank approved by our head of fice to handle LG business-a decision based on ser vice and reliability.”
Bp Junaedi, warung soto chain owner & customer of Adira Finance Thanks to his Adira-financed motorcycle, Bp Junaedi can manage to visit his busy street side restaurants across Jakar ta.
Ibu Djuminten, market trader and customer of the DSP Self Employed net work During 2004 we recruited and trained 3,000 staf f and opened 207 DSP units to reach into this under ser ved segment.
Bp Vidjongtius, Director PT Kalbe Farma, a Treasur y customer “We are pleased with the ser vice, the speed and timely use of relevant information that helps us manage our business ef fectively.”
Bp H. Nasan Hasanuddin, Syariah Banking Customer Already in its four th year of operation, four dedicated new Syariah branches were opened.
Ibu Tamara Geraldine, a T V per former and personalit y “Bank Danamon treats ever yone as a celebrity - so I never feel lonely!” Bank Danamon has been voted Best Bank in Ser vice Excellence by the MRI sur vey results in both 2004 and 2005.
Bp Sudjono Barak Rimba, a PrimaGold customer PrimaGold is being re-launched in 2005 with a broader of fering of investment products, financial planning and wealth management advice.
Bp Hendra B. Sjarifudin, a Danamon Sahabat customer In the past year we have rolled out a new business model and new products for the commercial customer using 5 new centres in Jakar ta, Medan, Surabaya, Semarang and Bandung. iv
Relationship Banking Clearly defined segments, each with its own dedicated team.
We care and enable millions to prosper Care
Honest y
Passion to excel
Teamwork
Disciplined professionalism
Our mission is single-minded; to be a bank that cares for its customers, to help them prosper. The stories that feature throughout this report illustrate how we think and work with customers, through good times and challenges. They are as much a statement about integrity, commitment and understanding, as they are a description of a branch network delivery system and service skills. We’d like to thank all our 2.4 million customers for their support in 2004. Serving you, is our business.
A Selection of Significant Events 2004
04
Financial Highlights
05
Message from the President Commissioner
06
Audit Committee Report
09
Message from the President Director
10
Operating Review Consumer Banking
18
Adira Finance
26
Syariah Banking
32
Self-employed Mass Market, SME & Commercial Banking
38
Corporate Banking & Financial Institutions
46
Treasury
52
The Bank Danamon Franchise
56
Human Resources
58
A Corporate Social Responsibility Report
60
Corporate Governance
63
Material Disclosure
73
Report of the Integrated Risk Management Division
75
Financial Review
78
Consolidated Financial Statements
87
Corporate Data
i 1
Jakarta: Site of Bank Danamon’s head office and the centre of one of seven regions which constitute one of the widest spread financial services franchises in Indonesia.
Jakar ta sk yline in the morning
2
This region is home to approximately 11 million people and includes 136 branches from Bogor, lying south east of the capital, to Lampung across the Sunda straits in South Sumatra. 3
A Selection of Significant Events 2004
January Syariah Banking expands its network with the
February First Employee Award
opening of new branches and sub branches
March US $ 300 million Subordinated Debt Issuance First Danamon Simpan Pinjam (DSP) unit launched of the 207 to be opened in 2004. Community based banking linked with community driven development
April Adira Finance acquisition completed Awarded 1st place in the coveted MRI Ser vice Excellence Award Islamic Banking Award in 2004 for Syariah Ser vice Quality
Bank Danamon Corporate Banking signed one of the leading private financings in the coal sector during 2004 with PT Gunungbayan Pratamacoal
June FMC Card (Frontliners Mentari, Matrix, M3 Club) launched
May Awarded as the Best National Bank 2004 by Investor Magazine
August New values - a roadshow around Indonesia collected the views of Bank
July
Danamon staff throughout the countr y
Business Gathering Roadshow SME Adira Card launched Signing a cooperation agreement with United Tractors
October A total of 82 financing agreements were signed with BPRs (rural credit banks)
September
DSP opened its 100th unit
Platinum Card launched
January - December November Danamon Sahabat - a strong growth stor y: SME/Commercial lending increased 36%
Aceh/Nabire /Nor th Sumatra: Sadly Indonesia suffered a number of natural disasters during the year. We take strength from the for titude of the victims. Danamon Peduli was quickly able to offer early suppor t in ever y case. We will continue to offer assistance in all affected communities
4
Financial Highlights (in billion Rupiah, except stated other wise)
2004
2003
2002
2001
2000
Consolidated Balance Sheets Assets & Commitments
65,605
58,408
50,933
56,345
64,505
Assets
58,812
52,682
46,911
52,680
62,168
Earning Assets
53,170
49,855
42,774
47,903
56,315
Government Bonds
17,324
21,234
15,640
27,768
47,025
Loans
a)
29,416
20,849
17,695
10,477
5,631
Interest Bearing Liabilities
46,885
42,343
38,315
42,984
48,700
Third Party Funds
40,765
40,215
35,330
39,932
30,644
7,804
6,822
4,653
4,171
4,528
b)
c)
Shareholder’s Equity Consolidated Statements of Income
6,394
5,789
6,561
6,957
4,880
(2,376)
(3,238)
(4,824)
(5,419)
(3,801)
Net Interest Income
4,018
2,551
1,737
1,538
1,079
Non-Interest Income
1,279
1,812
898
668
268
Interest Income Interest Expenses
Total Operating Income
5,297
4,363
2,635
2,206
1,347
(1,129)
(734)
(504)
(472)
(298)
(898)
(861)
(613)
(487)
(474)
(91)
(94)
(250)
(635)
(142)
(2,118)
(1,689)
(1,367)
(1,594)
(914)
397
(1,326)
(279)
(3)
(134)
3,576
1,348
989
609
299
(198)
225
(0)
146
7
Income Before Tax
3,378
1,573
989
755
306
Income Tax
(895)
(43)
(41)
(32)
34
Manpower Costs G& A Expenses Others Other Operating Expenses Provisions Net Operating Income Net Non-Operating Income / (Expenses)
Minority Interest Net Income Basic Earnings Per Share (in Rp.) Diluted Earnings Per Share (in Rp.)
d)
(75)
0
0
0
(1)
2,408
1,530
948
723
339
490.75
311.72
193.28
147.41
69.18
489.49
-
-
-
-
Key Financial Ratios Net Interest Margin Cost to Income
8.2
5.5
4.1
3.9
2.9
41.5
45.1
45.0
44.8
58.0
Return on Average Assets
4.5
3.2
2.0
1.3
0.7
Return on Average Equity
38.6
30.5
22.3
16.1
11.9
Loan to Deposit Ratio
72.2
56.5
51.5
26.3
18.5
4.0
6.8
4.4
4.8
8.6
136.5
159.7
132.8
137.7
113.9
27.0
26.8
25.3
35.5
58.0
c)
Non-Performing Loans to Total Loans - Gross Loan Loss Allowances to Non-Performing Loans Capital Adequacy Ratio
e)
Others Number of Employees
26,185
f)
13,225
13,156
13,197
12,382
Number of Offices
746
g)
477
471
464
490
Number of ATMs
804
777
739
692
703
a) b) c) d)
Net commitments and contingencies Loans purchased from IBR A are stated at purchase price Deposits include deposits from other banks Diluted EPS are not applicable for 2003, 2002, 2001 and 2000
Without market risk charge Includes 10,046 employees of Adira Finance g) Includes 264 units of DSP e) f)
5
Sim Kee Boon President Commissioner
Message from the President Commissioner
Your bank
6
President Commissioner, Sim Kee Boon looks back on a year in which Bank Danamon has been one of the most progressive and vibrant performers in the banking community.
Dear Shareholder,
a credit to the men and women in the
Today’s Bank Danamon is more
bank who have adapted and thrived
involved than ever before within
In this, my second report as
in a period of transition. Together they
the community in which it operates
President Commissioner, I am
transformed the business model, from
through the social responsibility
pleased to record your bank has
one focused on selling products, to
programme known as Danamon
produced outstanding results for
one based on nurturing customer
Peduli (“Danamon Cares”) as well as
2004. Net Income is up 57% to
relationships. They have established
in its daily operations. The benefits
Rp 2.4 trillion and an Interim Dividend
and operated clear businesses
of this are many; in cementing
of Rp 178.7 per share has been paid
within Bank Danamon that are run
community relationships, in capturing
to shareholders during the year.
efficiently, focused on well-defined
new business by giving access and
and researched target markets. And
convenience, and in understanding
reflection of the considerable change
they have pursued growth sensibly
the challenges inherent in doing
pursued by the management team
with an eye on prudent management
business across the wide diversity of
over the last twelve months. It is also
of costs, risks and productivity.
the Indonesian archipelago.
This performance is an excellent
7
I believe it is also important to view this strong result not
An interim dividend of Rp 877 billion of Rp 178.7 per
as another ‘recovery’ story. In fact Bank Danamon has
share representing 50% of the banks first nine months
been one of the more progressive and vibrant performers
earnings in 2004 was distributed to shareholders in
in the banking community during 2004. The bank’s
December 2004. Further dividend announcements will
growth is evidence of the significant potential available
be made subject to shareholder approval at the Annual
in both volume and quality in our chosen markets. We
General Meeting of Shareholders to be held in May 2005.
all recognise the benefits of security for our savings and
My thanks go to management and staff for their efforts
access to good financial advice, yet less than 30% of
during the year and to our stakeholders, our customers
Indonesians surveyed in the major cities possess a bank
and shareholders for their considerable support.
account. And the ratio is even lower in rural Indonesia where the majority of the population resides.
Finally on a sad note, on behalf of my fellow members of the Board of Commissioners, I wish to add our
A further point to consider is that your bank has
sympathies to the colleagues, to the families and to
grown significantly in an economy driven largely by
the communities of the Banda Aceh region affected
domestic consumption. The level of investment has not
by the Tsunami on December 26th, 2004. The bank is
been as robust as hoped and with the encouragement
proud to have played a role in the immediate aftermath
of sound policy making under a new Government, much
of this devastating disaster. We will continue as a long-
needed local and foreign direct investment will help
term partner to these communities as they re-establish
develop infrastructure and stimulate employment. As
themselves and move forward. We will work to help make
the momentum builds up, Bank Danamon is positioned
their lives better in honour of the memory of those who
to provide a complete range of banking services. Your
were lost. With this note of optimism, we look forward to
bank has expertise in the corporate sector, in the SME
building Bank Danamon through the year ahead as both a
and commercial sector, in Syariah banking and for the
business and a pillar of care and support.
consumer, whether self-employed or a salary earner. The best is yet to come.
Your bank, in your community.
During 2004 there was significant work completed behind the scenes in terms of sustaining the bank’s governance, risk management and compliance infrastructure. Elsewhere in this report is considerable detail on the work of internal committees and your Audit Committee, tasked with independently reviewing the accuracy, quality and integrity of the bank’s activities. There were a number of changes to the Boards of Commissioners and Directors during 2004. Commissioner
President Commissioner
Mr. Jimmy Phoon Siew Heng resigned in 2004 and we
On behalf of the Board of Commissioners
thank him for the contribution he made to the bank during his tenure. We also thank Mr. Rajan Raju Kankipati for his participation during BOC meetings over the year. We welcome two new appointments to the BOC, Mr. Liew Cheng San Victor and Mr. Ng Kee Choe, both of whom bring substantial experience in the financial services industry. There were two changes to the Board of Directors; we thank Bp. Prasetio for his service to the bank as a Director since 2002 and welcome Mr. Tejpal Singh Hora who has considerable experience in international banking and particularly risk management.
8
Sim Kee Boon
Audit Committee Report
Pursuant to Jakarta Stock Exchange
The duty of the Audit Committee
The Audit Committee also has held
(BEJ) regulation no Kep:339/
is to give an independent and
meetings with the Financial Planning
BEJ/07-2001 dated 20 July 2001,
professional opinion to the Board
and Control unit in order to review
and BAPEPAM Chairman’s decree
of Commissioners regarding risk,
outgoing reports to be submitted by
letter number 29/PM/2004 dated
compliance, Internal Audit Unit (SKAI),
the Bank.
September 24, 2004 regarding
External Audit, Financial Statements
“Formation and Implementation of the
and others.
Audit Committee Activities”,
With regards to the 2004
The Audit Committee has reviewed the implementation of the total compensation package for the
PT. Bank Danamon Indonesia Tbk has
annual report, the Audit Committee
Directors and Commissioners, and
established an Audit Committee to
was involved in the selection and
has concluded that the procedures
assist the Board of Commissioners in
appointment of the public accountant
are appropriate and in accordance
performing its duties:
firm with due considerations to the
with the prevailing regulations.
scope and adequacy of the audit
The Audit Committee has also
Members of the Audit Committee of
work, fair and reasonable audit fee,
performed several other tasks
PT. Bank Danamon Indonesia Tbk
and the independence and objectivity
assigned to it by the Board of
comprise:
of the auditors. During the audit
Commissioners.
Chairman / Member
process, discussions have also been
Milan R. Shuster
held to ensure that all essential risk
above-mentioned items, the Audit
(Independent Commissioner)
factors have been considered.
Committee finds no significant issues
Member
Based on its review upon the
The Audit Committee has
that need to be reported in the 2004
Sri Adiningsih
evaluated the effectiveness of the
Annual Report of PT. Bank Danamon
(Independent Commissioner)
internal function, among others
Indonesia Tbk.
Member
through regular meetings with the
Setiawan Kriswanto
Internal Audit Unit (SKAI) to discuss
Member
any significant audit finding, follow-up
Hadi Indraprasta
on the audit work, and the audit plan
Audit Committee
for the subsequent year. The Audit Committee has held meetings with the Integrated Risk
Milan R. Shuster
Director to ensure that significant
Chairman
risk factors have been properly anticipated. The Audit Committee also has held meetings with the Compliance Director to ensure full compliance with all prevailing internal and external rules or regulations.
9
Francis Andrew Rozario President Director
Message from the President Director
Our mission is “We care and enable millions to prosper” 10
“Bank Danamon has gone from strength to strength in serving the community as a citizen and as a business”
In addition to a very strong financial
we focused on better service and
during the six months following the
performance, we made considerable
improved customer care. Sadly, the
acquisition of Bank Danamon in June
progress in each of our major
year closed in devastation for the
2003.
business segments during 2004.
people of Aceh but Danamon Peduli
The launch of a new Danamon
(“Danamon Cares”) moved quickly
Our strategic direction has the
Simpan Pinjam (DSP), micro SME
to offer support. I am pleased to
following key elements:
and personal customer network,
record that Bank Danamon has gone
• To serve the majority of the
a diversification into consumer
from strength to strength in serving
population of Indonesia, either
finance via Adira Finance, growth
the community as a citizen and as a
lower income consumers or self-
in our commercial brand, Danamon
business.
Sahabat, an emerging Syariah
We started the year by obtaining
employed individuals, representing 80% of households. Over the
banking service and an expanded
approval from our Board of
course of the year, we tested two
treasury and corporate team are all
Commissioners for our mission and
separate models and after achieving
worthy of mention. In every case
strategic direction, developed
high confidence we rolled out 207 11
units dedicated to serve self-employed individuals
• The affluent segment customers will continue to enjoy
located near or in traditional wet markets, and 57 units
the high quality of care and attention that they expect
for lower income consumers. This initiative was branded
from Bank Danamon. We will add more investment
Danamon Simpan Pinjam (DSP) to send a clear message
opportunities to allow this group of individuals to
that we were proud to serve these two segments each
invest their wealth productively in Indonesia, supported
with its own unique process and technology.
by expert advice for their needs. Moreover, we will
• Our successful SME business was repositioned
endeavour to support those that are actively engaged
to provide customers with a total relationship suite
in business, to enjoy the benefits of our long-term
of products and services and to build long term
relationship focus and full product capability available
commitment. • A new Commercial bank model was introduced to
through our SME and Commercial businesses. • We resolved to create a high quality Corporate banking
provide the larger SME customers with the added
franchise to serve large corporates and financial
sophistication of trade finance, cash management
institutions with the combined advantage of product
and treasury products and services. The business was
capability on par with foreign banks and the reach of a
branded Danamon Sahabat (“Reliable Partner”) to
local bank. We will maintain a diverse risk profile
clearly emphasise our long-term commitment to be a
for long term consistency and stability in our business
lead bank in helping our customers to grow and
through industry diversification and focus on high
prosper. • Our middle-income consumer business was refocused
quality obligors. • Our Transaction services, Treasury and Capital Markets
to provide customers with products appropriate to
product franchises have been substantially upgraded to
every stage in their life cycle. We are in the process
meet the demands of all our chosen segment
of expanding our reach and channels to provide these
businesses. Over time, we wish to gradually become the
customers with the leverage they need to meet their
transaction bank of choice among our customers.
housing, transport and transactional needs in a manner that will build long term loyalty.
• We have also managed to establish an international standard in trade expertise to help our customers in all their trade transactions. We are honored to be awarded “Best Trade Finance Bank” by Global Finance in 2004.
12
During the year we completed the acquisition of Adira
We saw the best of Bank Danamon in responding to the
Finance, a leading finance company. This has gained for
crisis that Indonesia faced because of the Tsunami.
us a very valuable product platform to finance purchases
Through our Danamon Peduli effort, volunteers were
of motorcycles, cars and industrial machinery, meeting
at work in the Headquarters of the Indonesian Red Cross
the needs of all our customers. Adira Finance has
as well as on the ground in North Sumatra within 24 hours
continued to grow market share successfully in all its
of the disaster. They organised a search for colleagues
product lines.
and family members and worked hand-in-hand with the
This strategic direction has required considerable
survivors to reopen Bank Danamon in the most difficult
upgrading of our support infrastructure in risk
conditions, within record time. They also provided
management, operations, technology and human
support to help accelerate the processes of recovery and
resources. We have ensured that the support
rebuilding. This is a perfect example of what we all stand
infrastructure and controls have kept pace with rapid
for in Bank Danamon — namely “We Care.”
change across the various businesses. Best practices have been introduced and there is more to follow. A lot of attention is being given to our human resource
We care for “our customers”, “our employees” and “our community.” It is with mixed feelings that I must inform all our
capabilities to ensure that we have the right leadership
stakeholders that I will be handing over responsibility
and the expertise, along with appropriate depth of
to my successor sometime in the second quarter of
management talent to meet the challenges of our mission
2005 and will be returning to Singapore to assume
and strategic direction.
responsibility for Asia Financial Holding Pte Ltd.
We embarked on a comprehensive, nationwide
I wish to thank all our customers, employees,
exercise to define our mission and core values (care,
members of our Board of Commissioners, regulators,
honesty, passion to excel, teamwork and disciplined
the Government of Indonesia and the public at large,
professionalism) of the company. We are now in the
for making my stay at Bank Danamon truly memorable,
process of embedding the enhanced values across our
something I will always cherish.
organisation. We will continue to focus attention on this objective until it becomes a natural part of our culture.
Francis A . Rozario President Director
13
West Java Region: 35 branches serve 12 cities in this densely populated zone with significant corridors of industrial parks alongside market towns with a more traditional business mix.
14
Cikampek toll area, West Java
15
Tejpal Singh Hora Director
Anika Faisal Director
16
Muliadi Rahardja Director
Rene Burger Head of Corporate Banking & Financial Institutions
Francis Andrew Rozario President Director
Ali Yong Head of Transaction & Ser vices
Lam Kun Kin Head of Treasur y & Capital Markets
Kanchan Nijasure Chief Technology Of ficer
Emirsyah Satar Vice President Director
Gatot Mudiantoro Suwondo Director
Jerr y Ng Director
Vera Eve Lim Chief Financial Of ficer
Operating Review
17
Call Centre Award 2005 for Service Excellence
Won Best MasterCard Electronic Card award from MasterCard International
Trisakti Institute Award for Customer Satisfaction 1st in Banking Service Excellence; the MRI Survey 2004 & 2005
Consumer Banking
Your needs
18
Ibu Tamara Geraldine, a TV perfomer and personality is one of our better known customers. We asked her to judge our performance during the past year. “I have been banking a long time with Bank Danamon because their staff are friendly and helpful. They don’t just treat me this way, they treat all their customers the same. I could go as far as to say Bank Danamon treats everyone like a celebrity! At the same time they maintain a no nonsense professional approach and that’s important to me I feel my hard earned money is with people I trust.”
19
Consumer Lending - Strong Growth
Third Party Funds ( Deposits) - A Key Challenge
Loan growth was propelled to new highs in 2004. Total
While Danamon Simpan Pinjam (DSP) and Adira Finance
consumer loans were up 52% to Rp 12.1 trillion (compared
are performing well as the bank’s lending engines, a key
to 30% growth in 2003) and the main contributor was
challenge going forward is the bank’s ability to raise low
again the auto sector. Consumer loans now account
cost funding to support future growth. Overall deposits
for 41% of the banks total lending portfolio adding
increased in 2004 by 1% to Rp 40.8 trillion. Underlying
significantly to margin improvement. The acquisition of
growth was in fact higher at around 24% after stripping
Adira Finance added 13% to the bank’s total interest
out the amount of Rp 7.3 trillion in funds placed on
income.
deposits after the termination of a mutual fund in the
Home loan growth in excess of 19% was a satisfactory
second half of 2003. Lower cost current accounts and
performance. This core relationship is being leveraged
savings accounts now represent 41% of the bank’s
to understand and meet individual customer needs
deposits base. Our brand visibility and strength, our
with other services, a source of additional income for
ability to offer customers convenience through easy
the future and a centerpiece in the bank’s relationship-
access to our large network and growth of our ATMs to a
focused business model. Credit card outstandings grew
total of 804 (not including the shared networks nationally
over 19% in 2004, the bank was awarded the title of “Best
and overseas) position us well. From a modest start, we
MasterCard Electronic Card” in 2004 and we launched a
have opened 57 new DSP offices for salaried customers in
new Platinum card. Asset quality in general remains good
large firms or industrial estates as a distinct segment, to
and the non-performing loans coverage of 137% for the
encourage savings growth and we are looking in the year
bank as a whole is considered adequate.
ahead to develop this further. Over time, and especially as many of our branches are in close proximity to busy local markets, we expect solid and stable growth in the lower cost deposits segment.
Bp Budiman Mulyono and his wife Ibu Feny Handoyo, owners of Pringgondani Restaurant in Cirebon. They are KPR (home loan) customer at Kelapa Gading branch. “To me size means reliability and that’s important. But it’s an added bonus that their customer service officers are so friendly.”
20
Consumer Credit Rp billion
12,115
7,989 6,155
2002
2003
2004
Credit Card Motorcycle Loans Car Loans Housing Loans
Above Ibu Retno Ishartini and her daughter Annisa, DSP Consumer Mass Market customers. “Bank Danamon’s KPR (home loan) process is fast and easy with no administration fee and provision fee.” Bp Erlan Cahyana, customer of DSP Jababeka. “The Kredit Serba Guna (Multipurpose Credit) from Bank Danamon was quite straightforward to arrange and it’s going well. Their ATM is near where I work so it’s easy to withdraw money without waiting in line.”
21
Bp Sudjono Barak Rimba chooses Bank Danamon PrimaGold for sound investment advice. Right Convenience 24 hours a day is part of the “Bank Danamon cares” commitment. In addition to the expanding ATM network nationally, Bank Danamon customers can access their bank accounts directly through any DBS ATM in Singapore.
No reason to look elsewhere Our efforts throughout the past year have been to ensure that the Bank Danamon promise is properly targeted to the right segment. Bank Danamon customers have voted for good service and relevant products over lucky draws when choosing where to put their business. In the high net worth segment we offer investment galleries and PrimaGold as a distinct brand for the up-market segment. In the year ahead we plan to expand our range of investment services. Reach and Recognition As we grow, it has been pleasing to see that we have been able to maintain our standards and during the year were fortunate to win the coveted top place overall among banks in the MRI Service Excellence Award. We also won the ATM Bersama Award for Most Active ATM and Best Partner. Recognition of the bank’s performance is of course inextricably tied to the skills and efforts of our consumer bankers. An incentive plan to encourage frontliners to win more new business has also been prepared, in addition to regular surveys to monitor our competitiveness as an employer.
22
23
Bali: A globally recognized tourist destination has a thriving jewellery, craft work, fishing, seaweed farming and local agricultural community in need of financial advice. Bank Danamon has no less than six branches spanning this island.
24
Mount Agung, Bali
The Danamon franchise for this region extends to a further 92 branches from East Java to the island string of Nusa Tenggara in the east.
25
Adira Finance
You’re on the move!
26
Bp Junaedi, warung soto owner, Jl Pasuruan, Menteng, Jakar ta. Bapak Jun relies on his Adirafinanced motorcycle to get around the venues of his several street side restaurants. “On my motorcycle, I can beat traf fic and keep the qualit y of the food at my warungs competitive.”
27
One of the largest auto finance companies in Indonesia
We are targeting the same consumer segments together
by market share and assets, operating 183 outlets
and together we can add value to the customer, for the
nationwide, Adira Finance is unique in being multi-brand
bank’s shareholders and for the finance company as it
and in handling both motorcycle and car financing.
strengthens its reputation and builds its brand.
The best person qualified to comment on this business
We financed over 580,000 units of motorcycles and cars
is the President Director of the company, Stanley S.
in 2004, a growth of 74% generating a 56% improvement
Atmadja:
in total revenue to Rp 1,013 billion. In addition to our main motorcycle financing we grew both new and used
“The decision by Bank Danamon to purchase a 75% stake
car financing satisfactorily and further expansion in the
in Adira Finance always made perfect sense. The strength
second hand motorcycle market offers good prospects.
of the bank’s balance sheet helps Adira Finance obtain
We also launched an Adira Finance credit card in
competitively priced funding. Access to the Adira Finance
conjunction with the bank.”
network of 10,046 officers, which doubled during 2004, and to close to 10,000 auto dealers with whom we are in daily contact, provides the bank with a source of new customers in its growing DSP network.
New Financing Rp billion
6,611
3,451
583
335
2003
2004
Financing Unit (‘000) Financing Volume
Breakdown of New Financing Volume as of 31 Dec, 2004 Used Motorcycle 7% New Car 14%
New Motorcycle 68%
Used Car 10% Others 1%
Ibu Shanti, a satisfied customer. Adira Finance, the reason why so many new and used car owners are happy.
28
“We financed over 580,000 units of motorcycles and cars in 2004, a growth of 74% generating a 56% improvement in total revenue to Rp 1,013 billion.” Stanley S. Atmadja President Director PT Adira Dinamika Multi Finance Tbk.
29
Nabire: Twice in 2004, this important commercial centre was hit by earthquakes measuring up to 7.2 on the Richter Scale with the loss of 24 lives and devastation to 150 houses and other buildings. Bank Danamon was the first private sector company to offer assistance in the form of food, clothing and medical supplies. We continue to play a role in helping Nabire recover through construction materials procurement.
30
Nabire, West Papua, Indonesia
Bank Danamon was the first large private sector bank to move into West Papua with 11 branches in operation today specializing in consumer banking, working capital finance for trading businesses and infrastructure project finance for road and bridge building. A total of 58 branches serve this region comprising the islands of Sulawesi, Maluku and the province of West Papua. 31
Islamic Banking Award 2004 for Syariah Service Quality
Syariah Banking
Your lifestyle
32
The Most Comfortable Office, Best Teller, ATM and Phone banking, Syariah Banking Awards 2004
2 nd place in the SGS Quality awards for ISO implementation
Bp. H. Nasan Hasannudin and his wife Ibu Hj. Wiwin Wilayah, Bank Danamon Syariah customers. “We have a very good relationship with Danamon Syariah employees, their service is very good. The Danamon Syariah branch is also close to both our home and our business in Ciracas.”
33
New branches, new products A core operation of ten Syariah branches and 130 key staff within the Bank Danamon branch network delivered 49% in loan growth in 2004. A new branch was opened in Makassar and three new sub branches were opened in Tanah Abang, Bekasi and Cikampek. Entering its fourth year of operation, market education and product development are still the major priorities. A specific unit “Layanan Usaha Kecil” (Small Business Services) was established in 2004. In addition, considerable effort was put into marketing “champions” such as a special investment product (Mudharabah Muqayyadah) and a financial lease (Ijarah Muntahiyah Bit Tamlik). Extending the Danamon brand promise in a growing segment Danamon Syariah, offers a dedicated, discrete service under its own management team, with its own accounting system and specialist staff. Syariah customers are no different when it comes to appreciating good service, and we remain committed to building on the reputation already associated with the Danamon brand. The bank received four Syariah Banking Awards in 2004 for most comfortable office, best teller, best ATM service and best phone service. We were also delighted to gain recognition through an award from SGS for the implementation of ISO standards.
34
35
Yogyakarta: In the busy centre of this historic city, we rub shoulders with 5,000 stallholders every day at Beringharjo market, the site of one of the first of our Danamon Simpan Pinjam (DSP) units. This is supporting local trade, but on a grand scale.
Beringharjo traditional market, and aerial view of Yogyakar ta and Mount Kidul
36
Bank Danamon has 5 city branches in Yogyakarta and a further 62 branches in the Central Java region.
37
207 DSP units opened to cater to the Self-employed Mass Market segment
Launched Danamon Sahabat, a new branding for Commercial Banking
Self-employed Mass Market, SME & Commercial Banking
Your aspirations
38
A market leader in the SME segment
Ibu Djuminten, traditional crackers seller and DSP customer, Beringharjo, Yogyakarta. “DSP is close by, giving me convenience and security in our busy market.”
39
In 2004, Bank Danamon redefined the way we wanted to
Commercial Banking ( Danamon Sahabat)
serve the SME market in Indonesia. We essentially saw
The Commercial segment is defined as companies with
the overall SME market to consist of three very distinct
annual sales turnover of Rp 20-300 billion. Most of these
segments and made the strategic decision to reorganize
companies have more than 5 years of business operating
this business of the bank to serve each segment with its
experience. They are currently all served by the formal
own unique value proposition, business model and growth
banking sector today but face the challenges of banks not
path. By doing so, we aim to develop three separate
being able to address all their needs and lacking long-
robust relationship-centric businesses that will reach
term commitment.
international standards in terms of risk management,
For such customers, we have set up a specific
operational integrity, cost efficiency and most importantly,
business to serve them with a unique value proposition.
customer satisfaction and fulfillment. The ultimate aim is
We position ourselves as a reliable partner, offering a
to build the most distinctive SME franchise in Indonesia
comprehensive product suite through a dedicated team
and in doing so, help our customers and the local
of highly qualified relationship managers operating out
economy grow and prosper.
of the bigger cities in Indonesia. We have since created a separate brand for this business - Danamon Sahabat - to emphasise our full relationship positioning and our long-term commitment to our customers. We have also dramatically enhanced our product and service capabilities to match our customers’ needs in all areas of their business. We believe that with such a commitment to our customers, we are well-positioned to help commercial sized companies in Indonesia become the corporate engine of the future.
Bp Hendra B. Sjarifudin, President Director of PT Kenari Djaja. In the past year Danamon Sahabat has rolled out a new business model and new products for the commercial customer using 5 new centres in Jakar ta, Medan, Surabaya, Semarang and Bandung.
40
SME Banking Our SME segment is defined as small companies with annual sales turnover of around Rp 2-20 billion. There are approximately 300,000 such companies in Indonesia. These companies are typically owner-managed and lack financial sophistication. They are mostly already served by banks today, though not necessarily for their borrowing needs due to lack of formal financial records and small balances. Bank Danamon is currently already a market leader in this segment but we are committed to sharpening our professionalism, relationship model and efficiency to better serve the needs of these customers. We position ourselves as a financial one-stop shop offering targeted business loans, cash management and savings products, delivered through dedicated SME relationship officers operating out of our existing branches throughout Indonesia. Our people are trained to be able to address all our SME customers’ needs through our unique product bundles and to cultivate the customers to use Bank Danamon as their sole bank to help grow their businesses. Our processes are also redesigned to have the kind of fast turnaround and convenience that these customers value. Total SME and commercial sector loans grew 36% to Rp 10,796 billion, representing a 37% share of the bank’s total lending and contributing significantly to margins.
Above The batik print process in action. Ibu Per tiwi, a SME customer manages her own garment factor y in Yogyakar ta, under the brand name Batik Per tiwi.
41
DSP Unit Manager Bp Nanan Ernawan in Beringharjo with traders. Regular meetings between DSP employees and traders in the market form a means of communication, sharing of ideas, and informal quality circles where skills and competency building can be discussed.
Self-employed Mass Market (Danamon Simpan Pinjam) In the first quarter of 2004, after months of rigorous field study we made a commitment to serve the selfemployed mass market and opened six units as pilots in Java. The self-employed mass market consists of approximately 19 million micro-businesses with annual sales turnover of under Rp 2 billion. These microbusinesses are underserved today by traditional banks, resulting in many of them having to resort to informal financing channels like underground money lenders and local self-help groups. The type of documentation needs, collateral requirements and high operating costs make most Indonesian banks not ready to serve this segment properly, resulting in low banking penetration rates. We set up a specific community banking channel named Danamon Simpan Pinjam (DSP) to serve this type of customer. DSP uses very simple physical infrastructure, advanced but low-cost technology, local employees and streamlined processes in a bid to offer these customers the greatest value in terms of speed, simplicity and convenience. These DSP units are all located in the heart of the local community to serve the customers at their convenience and to be close enough to them to offer a highly customised relationship, suitable to local preferences.
42
The first DSP branch was opened in March 2004 and its services were greeted with great enthusiasm by customers. By December 31st, 2004 a total 207 DSP units had opened with Rp 545 billion in loans made to the selfemployed sector from a base of zero in just 9 months. To manage this loan growth, an Internal Control Unit (ICU) has been set up giving speedier credit processing and better controls. As stated earlier, the DSP model is intended as a means to build a loan business in an underserved market. Setting high funding targets is not a priority at this point, but we plan to continue to build this cost effective network rapidly over the year ahead to sustain our competitive advantage. A low cost operating base is an essential part of our overall strategy to preserve profitability and capitalise on superior penetration into a high growth market segment.
43
Balikpapan: Offshore oil and gas, onshore coal mining and plantation agriculture are engines of development in this region.
Bank Danamon serves the entire Kalimantan region with 36 branches.
44
Of fshore oil and gas rigs
Bank Danamon adds another resource to this natural wealth. At its unique SME advisory centre in Balikpapan the bank helps customers to locate suitable expertise in marketing and accounting services for their businesses. 45
2004 Best Trade Finance Bank in Indonesia according to Global Finance
Corporate Banking & Financial Institutions
Your business partner
46
One of our objectives in 2004 was to become more widely recognised as the local bank with international banking products and capability. According to Mr. Kim Joo Hyung, President Director of South Korean consumer electronics giant - PT LG Electronics Indonesia, we made the grade: “Danamon’s relationship star ting June 2 0 0 4 was a milestone in that it was the first local Indonesian bank relationship to be approved by our Head Of fice. It was a decision based on their at titude to ser vice, reliabilit y and abilit y to structure transactions. Our business needs are of ten complex but their willingness to innovate has produced the solutions we needed.” 47
Corporate Banking
The new coverage model has two key benefits. First,
The Corporate Banking annual results demonstrate the
it establishes teams based on the type of banking
strong leadership and the implementation of the focused
relationship the client requires. Second, it allows
business strategy put in place by the new management
Corporate Banking to match clients with the bankers best
in the beginning of 2004. This strategy was to create a
suited to meet their needs. Both benefits underscore our
relationship oriented corporate banking team, introduce
commitment to being a relationship focused corporate
value added product based solutions, establish a client
bank.
oriented sales culture and focus marketing efforts on a
In addition to redesigning the coverage model,
select group of Indonesian and multinational corporations
Corporate Banking worked closely with Bank Danamon’s
with domestic operations.
product groups to expand the product suite available to our clients. We now offer a full set of products within
To implement this new approach, we redesigned the
the following categories: (1) cash management, (2) trade
coverage model in Corporate Banking and created three
finance, (3) custody, (4) corporate finance and (5) treasury
distinct coverage teams:
and derivatives.
• Full Relationship Team: To cover the largest Indonesian
These changes created positive momentum that was
corporations, which require complex financial solutions,
first noticed in the beginning of 2004 and accelerated
access to numerous financial products and substantial
throughout the year. Aside from our strong performance,
credit requirements.
we have good reason for continued optimism. For the
• Selected Relationship Team: To cover medium to large
first time in several years, there is market consensus that
Indonesian and multinational corporations, which
Indonesia is experiencing a stable economic and political
require several financial products and have moderate
environment, growth in foreign direct investment, strong
credit requirements.
equity and bond markets and a governmental focus on
• Focus Relationship Team: To cover Indonesian and multinational corporations, which require cash
tax issues, anti-corruption legislation and infrastructure development.
management, overdraft, electronic banking and foreign exchange services.
Corporate Lending
Corporate Funding
Rp billion
Rp billion
3,592
3,328 61
73
2003
2004
1,786 405
606
2003
2004
Number of Customers
Number of Customers
Lending Volume
Funding Volume
Funding Composition
Trade Finance Volume Rp billion
59%
5%
65%
Yo Y
gr
ow
th
5,495
20
Corporate lending accounted for 22% of total loans in 2004 with a wide range of exposure including some of the more exciting growth sectors in the economy.
Cour tesy of PT United Tractors Tbk
6,290
1,800 35% 2003
41%
2004
2003
2004
Time Deposits Current Accounts & Savings Accounts Note: Figure are net of loans managed by the Special Asset Management unit (including those purchased from IBRA) and include corporate bonds approved by Corporate Banking and Financial Institutions
48
Financial Institutions
Both Corporate Banking and Financial Institutions have
Financial Institutions also benefited from a revised
experienced strong growth in 2004. During this growth
business strategy and new management in 2004. We
phase, these groups have remained focused on credit risk
focused on core Financial Institutions businesses such
by increasing asset quality through selecting financially
as correspondent banking, interbank money market
strong clients and utilising sensible credit judgment and
operations, international remittances and establishing
financial structuring.
additional credit lines with several international banks
In 2005, Corporate Banking and Financial Institutions
to support Trade Finance and Treasury. Additionally,
groups will continue to focus on building a quality
Financial Institutions expanded its business scope by
customer base, maintaining high credit standards,
initiating coverage of non-bank financial institutions,
effective cross selling of multiple products and, most
such as insurance companies, pension funds and
importantly, remaining focused on our clients banking
securities houses.
requirements.
The focus of Financial Institutions is similar to that of Corporate Banking – to build and maintain strong
Joint Finance / Asset Buy
relationships with a broad set of customers. Furthermore,
This group, which reports to the Corporate Banking and
as the results of 2004 demonstrate, Financial Institutions
Financial Institutions Head, provides credit to consumer
substantially increased its lending and funding volumes
finance companies for motorcycle and automobile loans.
while moderately growing its customer base. This is
Historically, Bank Danamon has been a leader in this type
largely the result of effective cross selling, done in
of financing. The acquisition of Adira Finance caused a
cooperation with treasury, trade finance and the cash
temporary decline in the overall exposure of our consumer
management product teams.
finance portfolio. However, Bank Danamon remains committed to this business and is in the process of expanding the number of finance companies we support.
Financial Institutions Client’s Sector
Bank Danamon Financing
State Owned financial institutions
A structured US $ 50 million short term loan, and foreign exchange settlement line, to increase our client’s trade finance activities
Integrated textile manufacturing
A structured IDR term loan with an embedded cross currency swap, which reduced our client’s US $ funding costs and eliminated foreign exchange exposure
Rp billion
880 3,511 757
Information Technology
Coal mining contractor
1,066
101 2003
A US $ 20.5 million term loan and trade finance facilities, which allowed our client to expand its business substantially A US $ 35 million term facility, secured by assets and receivables, to finance new mining equipment, used to expand operations. Additional facilities include a foreign exchange line and a forward facility for hedging A real time cash management information system to manage nationwide receivables and payables. Provides a single bank solution by utilising Bank Danamon’s nationwide banking network
2004
Lending Volume Funding Volume Number of FI Customers
Joint Finance / Asset Buy Rp billion
3,155 2,343 15
13
Healthcare distribution
987
2003
2004
Number of Customers Lending Volume
49
Sumatra: Working with regional banks and cooperatives. Bank Danamon helps support thousands of farmers via financing agreements with plantation owners and with local rural credit banks (BPR’s). 82 agreements signed in 2004.
50
A network of 62 branches serves North, West and South Sumatra.
Oil palm plantation, Sumatra
We play a role at every stage from financing at the grassroots level to acting as an intermediary between mid-sized local banks and international financial markets to facilitate trade finance and manage the underlying foreign exchange transactions. 51
Treasury
Your treasury expert
52
PT Kalbe Farma Tbk, a household word in OTC pharmaceuticals uses Bank Danamon’s treasury team for a variety of their needs. Says Director Bp Vidjongtius, “Bank Danamon has created a strong bond with us as a customer and we are pleased with the service, the speed and timely use of relevant information helps us manage our business effectively.”
53
A new business model and a stronger profile
Better service to key segments
Our treasury operations underwent a transformation in
We added 12 experienced dealing staff and developed a
2004. We moved from a utility role in managing the bank’s
more varied product range aimed at five core customer
balance sheet and liquidity into a discrete business unit
groups. In each group considerable effort has gone into
focused on specific market segments with a well-defined
strengthening our customer relationship management
business model. We closed the year having built an
by developing product ideas based on practical needs.
experienced sales and dealing team with an international
In personal banking we offered retail foreign exchange
reputation. Bank Danamon’s own subordinated debt
services and for the affluent, a greater variety of yield
issue for US$300 million was a new benchmark for a local
enhancing investment products tailored to individual
private sector bank and a deal size double that of the
situations. For the SME customer we provided retail
previous largest issue. An order book double the issue
foreign exchange among other products while for the
amount demonstrated significant institutional appetite and
Corporate and Commercial customer segments we
recognition of the bank’s standing and prospects.
concentrated on hedging solutions through swaps and options. In the institutional sector our strengths lay in fixed income capabilities and in our distribution. Our market share in treasury products tripled and we feel confident it will increase further as we are beginning to penetrate new customers through cross selling opportunities via the Corporate Banking division among others and leveraging our broader product offer with more expertise to serve an expanding client base.
54
Market presence We concentrated in 2004 on building our profile in the Rupiah/FX market and in the local fixed income market. We were active in both primary Government bond auctions and in the secondary market, for both Government and Corporate bonds. We continued our role to ensure the bank was prudently and adequately funded at all times. The successful subordinated debt issue provided the liquidity needed for the bank’s expanding asset base. Good trading profits were achieved in foreign exchange and fixed income. We made progress during the year with retiring some of our higher cost liabilities and improving asset yields.
In 2004, we added experienced dealing staff and developed a more varied product range aimed at five core customer groups.
55
The Bank Danamon Franchise 482 Regular Branches
264 DSP Units
804 ATMs
Sumatera Area Jakarta Area Bogor, Tangerang, Bekasi Lampung
West Java Area Central Java Area Yogyakarta East Java Area Bali, NTB, NTT
Region 1
Region 2
Region 3
Region 4
132
Regular Branches
35
Regular Branches
91
Regular Branches
57
Regular Branches
4
Syariah Branches
0
Syariah Branches
1
Syariah Branches
1
Syariah Branches
4
PGB Branches
1
PGB Branches
1
PGB Branches
1
PGB Branches
20
DSP CMM Branches
10
DSP CMM Branches
10
DSP CMM Branches
5
DSP CMM Branches
41
DSP SEMM Branches
31
DSP SEMM Branches
60
DSP SEMM Branches
0
DSP SEMM Branches
67
ATMs
156
ATMs
78
ATMs
246 ATMs
56
Bank Danamon has one of the widest spread
Two roles: community and business
networks of any bank in Indonesia
Playing an intermediary role with local banks was one
In 2004 we began to realize our true potential in the
case study in leveraging the network. Our community
mass market through our DSP self-employed and DSP
work in helping clean up 20 wet markets was another
employed business units. Solid progress was made in
example of how we align our role in the community with
cross referrals among nine main business groups through
our role as a business partner. All of these developments
which we channel Bank Danamon expertise at multiple
were possible because we were close to our customers.
points: from employer, factory or plantation owner to employee; from property developer to home owner; from
Future potential
supplier to customer; at every stage in the distribution
Today it is estimated that among all households in need of
chain.
basic banking services as much as 40% are underserved. Aside from understanding the benefits of a bank account, one of the strongest reasons for choosing one bank over another is a convenient location, close to a place of work or a home. That’s where we come in. Our expanding franchise and reputation for being first into new markets positions us for substantial growth in the next few years.
Sulawesi Area Papua, Maluku
Region 5
Region 6
Region 7
Total
35
Regular Branches
60
Regular Branches
61
Regular Branches
471
Regular Branches
1
Syariah Branches
2
Syariah Branches
1
Syariah Branches
10
Syariah Branches
1
PGB Branches
1
PGB Branches
1
PGB Branches
10
PGB Branches
0
DSP CMM Branches
0
DSP CMM Branches
12
DSP CMM Branches
57
DSP CMM Branches
0
DSP SEMM Branches
0
DSP SEMM Branches
75
DSP SEMM Branches
207 DSP SEMM Branches
60
ATMs
91
ATMs
106 ATMs
804 ATMs 1
Overseas Branch
57
Human Resources
Aligning the needs of the bank and the employee
New values
Share Option Plan (ESOP) in July, a
and information relating to anything
Keeping pace with the exciting growth
scheme representative of the spirit of
from benefits and employment terms
plans and new direction of the bank
good governance in its structure and
to career development and planning.
was the main focus for the year. We
methodology, spreading the exercise
Our performance appraisals data is
embarked on a nationwide fact finding
period of three years.
now on line.
opportunity for senior management to
Sales and leadership training
Events, activities and opportunities
convey the essence of our strategic
It was a record year for our training
Elsewhere in this report is an account
plans and gain an insight into the
team who increased the amount
of the devastation in Aceh, among
markets we have chosen to serve.
and level of sales skills in the overall
several other natural disasters that
We used town hall venues and local
training programme. More than
impacted our men and women at
themed entertainment to help that
15,600 employees participated in
Bank Danamon. We also helped
process and the 10,000 employees
courses at our training centres, 6,000
terror victims from the bomb incident
that attended, responded to a basic
alone at our Bank Danamon Campus
in Jakarta. We take strength from
questionnaire used as part of the
near Ciawi, Bogor. In addition to
their courage in adversity and will
consulting process to define and
sales and technical training we
continue to support those affected.
disseminate the new values that
invested in our future leadership
support our mission “We care and
through a management development
2004 as a great way to build
enable millions to prosper.”
training programme and the use of
relationships across all levels of the
outward bound courses.
bank through the great levelers of
roadshow across seven regions, an
Performance based compensation
58
Danamon Club thrived during
sports and pastimes. We fielded
A great deal was achieved in aligning
Costs and communication
strong teams in football, volleyball
the needs and interests of employees
Managing costs effectively was
and tennis. In badminton particularly,
with those of the bank. We surveyed
another of our priorities and we
we are proud of our skills developed
staff as part of an exercise to ensure
were able to deliver cost reductions
with the help of All England
our levels of compensation were in
and better efficiency through the
Champion, Bp Icuk Sugiarto who is
tune with the market. We changed
centralisation of our payroll. We also
coaching for Danamon Club.
the way we assess individuals from a
centralised the administration of
grade system to a job based system
medical benefits claims. Our staff are
equal opportunities employer and
to establish a clear connection
our customers and we need to stay
through training and ability we were
between productivity and reward.
close to them with good channels
delighted for those individuals who,
Sales incentives were added to the
of communication. We maintained a
through hard work and application,
remuneration system during the year
good working relationship over the
gained promotion from working as
and fourth quarter results indicate
year with our Union. We encouraged
a security personnel into clerical
that this formula was working
staff to use the internet portal
duties.
effectively. We launched an Employee
specifically established for enquiries
Finally we are committed as an
59
Cour tesy of Paruhum Harahap
Town Halls across the regions. Some 10,000 employees attended, responding to our bank wide survey and helped us define and disseminate our new values.
A Corporate Social Responsibility Report
Bank Danamon and the Community Being part of it all
Vision
sustainable, members of the
We at Bank Danamon take the
Community activities that began
community most not only feel
view that everyone in business is
in 2001 have been more formally
involved but must take ownership
also part of a community. Bank
structured under Danamon Peduli
of the initiatives. That is why we
Danamon’s recognised role is a
(“Danamon Cares”) with the vision
strongly believe in Community Driven
place of safekeeping and investment
that: Danamon Peduli will support
Development.
for depositors, a source of capital
sustainable activities with impact,
for borrowers, and sound financial
which stakeholders are personally
Activities in 2004
advice for all our customers.
involved in, and that provide a
What Danamon Peduli has done in
At the same time, we are a neighbor:
positive contribution to the welfare
the past year:
one of the 5,000 stallholders in the
of communities we are a member of.
nearby traditional wet market, a
Consequently, our social involvement
For Compulsor y Education :
resident on a busy street in town -
goes hand-in-hand with our business
• To commemorate the opening of
often used as a handy landmark.
commitment to ‘enable millions to
our 100th micro banking unit, 100
prosper.’
students turned out for a drawing
Our history, our presence
competition. Scholarships were
in branches, our sheer size of employees and the number of people
Mission
also given to 100 deserving
we are happy to serve makes us a
The above elaboration leads us to
elementary, junior high and senior
part of the communities where we
how Danamon Peduli identified our
high school students in the area.
live and work.
mission. We first focused on the
Bank Danamon’s mission is: “We
needs of the communities, which fall
some of Indonesia’s brightest
care and enable millions to prosper.“
into four main categories:
minds and deserving college
We have five core values that help
• Promote skill training and
students a chance to pursue their
us keep true to our beliefs which
competencies building for small
dreams by providing full scholarships
are: care, honesty, passion to
businesses;
covering tuition, books and living
excel, teamwork and disciplined
• Enable children from the lower
expenses. This was apparently
professionalism. On a business level,
income group to complete
the first time a company provided
these core values are translated
compulsory education and continue
scholarships to first year students.
into observable and measurable
their studies;
These students had scored highest on the national entrance exams,
behaviors. An ongoing rigorous
• Address issues of health and
training program that cascades
hygiene in living and working
but failed to show up for registration
environments;
because their families could not pay
throughout the organisation ensures that every member on our team
• Provide relief for natural disaster
understands what we believe in, and
victims who have lost their
what we are about.
livelihood; without of course
On a community level, we strongly
closing the doors to opportunities
encourage our employees to be
in supporting other exceptional
actively involved in the happenings
community and social projects.
around them. Involvement, however,
60
• We also provided a chance for
must be sensitive to and must be
The important role the local
based on a clear understanding of
community plays cannot be
the needs of the communities.
overemphasised. For care to be
for their travel to the university, let
alone for their education. We read
the concerned mothers who usually
To provide the necessary support
about it in the local papers and
had more than one child to tend to,
of what will be a lengthy process
tracked down each and every one
but the testing unit provided results
of rebuilding the Aceh and North
of the students.
within 15 minutes, versus the 3 hour
Sumatra area, Danamon Peduli
wait at the hospital. In a span of only
developed a program we named
For Health and Hygiene:
4 hours, Danamon Peduli was able
3R: Relief. Recover y. Rebuild.
At the peak of a national outbreak of
to test 150 families. Infected children
Dengue Fever, we discovered that
were then immediately taken to the
Danamon Peduli volunteers were
North Jakarta - where we have 16
nearest hospitals for appropriate
working side-by-side with Red Cross
branches operating - was one of
medical attention.
Indonesia experts and volunteers
the hardest hit areas. Hospitals
• For immediate relief, within 24 hours
in the field as well as at their
overflowed and patients were forced
For Disaster Victim Relief:
Jakarta headquarters. New Year’s
to lie along hospital corridors on
• During earthquakes in Nabire,
Eve was spent at the cargo
woven mats. Working together with
floods in North Sumatra and the
one hospital, we outfitted a van with
tsunami in Aceh, Danamon Peduli
medical equipment, test units,
volunteers were quick to respond
doctors and nurses and drove our Lab-On- Wheels to the stricken area. This not only saved travel time for
with aid, time and energy. • The devastation of the December 26th Tsunami took all by surprise.
terminals loading 11 truckloads of aid onto aircraft bound for Sumatra. • To support recovery efforts, Danamon Peduli sponsored a workshop on Volunteer Readiness. The tremendous influx of well61
intending volunteers was caught off
100 Danamon Peduli volunteers to
guard by the level of devastation
take time off, fly out and work with
they found upon arrival. Together
community members and help them
with the reputable leadership
rebuild their homes and hopes.
center, Franklin Covey Company of the United States and Dunamis
For Skills and Competency Building:
Organisation Services, their
To support our community based
Indonesian licensee, we ran a 2-
banking concept, a “Clean Market”
day workshop. The gathering was
campaign was launched throughout
continues on a regular basis.
attended by 40 representatives
West, Central and East Java in the
Additionally, open forum discussions
of 7 international and 15 local
markets where we are present.
are held and have become a channel
organisations that are working with
Danamon Peduli volunteers joined
for skills and competency building.
volunteers to provide aid and
hands with traders and wet market
support in Sumatra. Organisations
officials in an on-going program to
By becoming a respected member
included UNESCO, Ministry of
clean up local markets throughout
of the community, by being directly
Women’s Empowerment, the Islamic
Java. More than 1,050 traders
involved, we are helping to ensure
Businessmens Association,
are involved in improving their
sustainability of the environment
universities, as well as other
environments. Today, the program
through community driven development.
religious and NGO support groups. • We have also embarked on a venture with Habitat for Humanity to build housing for a community that has lost everything. The latest update is that a location has been identified, people in the field are coordinating with respected elders, local government representatives and community members to ensure land titles and rights are in hand, and the site will be cleared of post-tsunami debris. • Within the next two months we hope to be able to register some
“Even now, Danamon Peduli is already thinking of the next level of suppor t needed to help recover y, by learning how to assemble knock-down, temporar y houses.” Jusuf Arbianto, Chairman of Habitat for Humanity Indonesia.
“Danamon Peduli Volunteers are not only sincere, but are quick to respond in times of need. It is suppor t like this that allows us to do something meaningful in the field.” Mar’ie Muhammad, Chairman of Red Cross Indonesia.
62
Corporate Governance
Following the period of post-recovery stability, Indonesia’s banking sector is entering a dynamic phase and as it does so there are a number of crucial issues on the horizon, including further consolidation within the industry, increased competition from foreign banks and increased costs and resources required to handle tougher regulation. We believe our ongoing commitment to set high standards in Corporate Governance is the means to differentiate Bank Danamon from the competition and the route to building shareholder value. Bank Danamon’s strong financial profile, low level of impaired assets and sound business strategy are evidence of governance at work and particularly, the value of effective risk management. The end of the Government’s blanket guarantee to depositors, pending introduction of a new insurance scheme, may encourage a switch to quality banks and we expect to benefit. Our ratings (see table below) improved significantly in 2004 and this will support our continued effort to build our profile in international capital markets.
Bank Danamon credit ratings were upgraded in 2004 and early 2005, reflecting the improvement in business and financial profile Rating Agencies
Rating /Outlook
Pefindo
Corporate Rating
id
A+ / Stable
March 2005
Bond Rating
id
A+ / Stable
Fitch Ratings
Long-term & Shor t-term foreign currency
BB- / Positive / B
Februar y 2005
National long-term
A- (idn) / Positive
Moodys
Long-term & Shor t-term Bank Deposit
B3 / Positive / Not Prime
Februar y 2005
Bank Financial Strength
E+ / Positive
Subordinated debt
B3 / Positive
Standard & Poor’s
Long-term & Shor t-term Local Currency
BB- / Stable / B
December 2004
Long-term & Shor t-term Foreign Currency
B+ / Positive / B
Subordinated debt
B / Stable
Our approach to governance is founded on four core principals: • Fairness, as it relates to integrity and professionalism in protecting the rights and interests of shareholders. • Transparency, in particular disclosure of information in a clear, accurate and timely manner. • Accountability, in defining the roles, responsibilities and obligations between commissioners, directors and shareholders of the bank. • Responsibility; the commitment as professionals to comply with all prevailing laws and regulations and to act as a good corporate citizen in the community at large.
63
The Board of Commissioners ( BoC) Comprising ten members including the President Commissioner and three Independent Commissioners. The members of BoC are nominated, elected and replaced through the General Meeting of Shareholders for a term ending at the close of the third Annual General Meeting of Shareholders from the date of appointment. Each Commissioner is entitled to remuneration determined and approved at the AGM. Total gross annual remuneration for the BoC for the year ended December 31st, 2004 amounted to Rp 9,908 million (2003: Rp 7,110 million). The BoC undertakes a supervisory role in the aspects of monitoring the bank’s performance against stated strategy and goals, oversight of risk management, external and internal audit controls and findings, including the work of the Audit Committee, and the timely disclosure of information required in compliance with regulatory requirements and the Law. During the year the BoC held 4 meetings. A further 4 meetings were held with the BoD. Independent Commissioners An Independent Commissioner is not affiliated in any way with the bank other than designated as a Commissioner under the Articles of Association of the bank and in such capacity is responsible for upholding the interests of minority shareholders. Board of Commissioners
64
1
2
3
4
5
6
7
8
9
10
1 Sim Kee Boon, President Commissioner Sim Kee Bon has been the
bank’s President Commissioner since 2003. He graduated in 1953 with a Bachelor of Arts (Honours) degree in economics from University of Malaya, Singapore. He started his career with the Civil Service of Singapore, holding various key positions until 1984. He was the Executive Chairman of Keppel Corporation Ltd from 1984 until 2000, after which he served as Senior Advisor to the Keppel Group until June 2003. He was Chairman of the Civil Aviation Authority of Singapore (CA AS) for fifteen years before stepping down in August 1999. In September 1999, he was appointed as Advisor to CA AS Board. He was also the Founding Chairman of M1, Keppel’s joint venture with Singapore Press Holdings in the cellular phone business. He was sworn in as a member of the Council of Presidential Advisors in January 1997. He was appointed as Director of Temasek Holdings (Pte) Ltd in January 2000 and became Advisor to Lum Chang Group of Companies in late 2000. 2 I Nyoman Sender, Vice President Commissioner I Nyoman Sender has
been a Commissioner since May 2002. He received his Masters degree from the Asian Institute of Management in the Philippines. He started his career in 1978 with Bank BNI, where he held various positions. In 2001 he was appointed as IBRA’s Deputy Chairman of Credit Management Unit, and his last position was as Deputy Chairman of Bank Restructuring Unit at IBRA. 3 Sumarno Surono, Commissioner Sumarno Surono, Ph.D., has been a
Commissioner since August 2002. Dr. Surono received his Ph.D. in Monetary Economics from the University of Hawaii. He started his career in 1975 as a member of the economics faculty at the University of Indonesia, where he still teaches. Dr. Surono was also a Director of PT Danareksa Fund Management from 1987 - 1993. Since November 2001, he has been working for the Ministry of State-owned Enterprises and since early 2004 has been appointed as the President Commissioner of Perusahaan Gas Negara. 4 Sri Adiningsih, Commissioner Sri Adiningsih, Ph.D, has been a
Commissioner since August 2002. She received her Ph.D. in Economics from the University of Illinois. Dr. Adiningsih started her career as a research analyst and has been on the teaching staff of Gajah Mada University since 1985. She also was a member of the Expert Committee of the People’s Consultative Assembly in 2001, a member of Ombudsman Committee of IBRA, and held various positions in government agencies. 5 Milan Robert Shuster, Commissioner Milan Robert Shuster, Ph.D.,
has been a Commissioner since 2000. Dr. Shuster received his Ph.D. in International Economics and Law from the University of Oxford. He joined the Asian Development Bank from 1970 - 1974, after which he joined ING Bank. Dr. Shuster later joined the National Bank of Canada from 1979 - 1991. Prior to his appointment as commissioner, he was the President Director of Bank PDFCI and President Director of Bank Danamon from 1999 - 2000. 6 Gan Chee Yen, Commissioner Gan Chee Yen has been a Commissioner
elect since 2003. He graduated with a Bachelors degree in Accounting from National University of Singapore. He began his career as an auditor at PriceWaterhouseCoopers in May 1984. He joined Showa Leasing (S) Pte Ltd in September 1986. He became Senior Manager in Finance for Singapore Technologies Marine Ltd in mid 1988 for eight years after which he became 65
Director for Finance at Singapore Technologies Pte Ltd. His present position is Managing Director for Finance for Temasek Holdings (Pte) Ltd. 7 Edwin Gerungan, Commissioner Edwin Gerungan has been a
Commissioner since 2003. He graduated with a Bachelor of Arts degree from Principia College, Illinois, USA. He joined Citibank in 1972 and held various positions with his last position as Vice President. Later in 1997, he joined Atlantic Richfield Corporation as Senior Advisor until 1999 before serving as Executive Vice President of PT Bank Mandiri for one year. He was the Chairman of IBRA from 2000 to 2001 and been a Commissioner at PT Bank Central Asia Tbk from May 2002 to June 2003. 8 Harr y Arief Soepardi Sukadis, Commissioner Harry Arief Soepardi
Sukadis has been a Commissioner since 2003. He earned his Bachelors degree in Accounting from University of Indonesia, Faculty of Economics, in 1982. He held a position as General Manager of Accounting Division for seven years at PT Indosat, Indonesia’s long distance and multimedia services provider. Later, in 1993, he became Accounting and Control Division Manager for PT Semen Cibinong Tbk for seven years. He joined IBRA in 2000, holding various positions in finance and accounting with his latest position as Finance Director of IBRA. 9 Liew Cheng San, Victor, Commissioner Liew Cheng San, Victor has
been a Commissioner since March 2004 and concurrently serves as Corporate Advisor of Temasek Holdings (Private) Limited. He joined Overseas Union Bank in 1980 and retired as Global Head of Markets in 2001. As a core member of the Senior Management Committee, he was involved in all aspects of Commercial Banking operations. He holds a Degree of Bachelor of Social Sciences with Honours from the University of Singapore. 10 Ng Kee Choe, Commissioner Ng Kee Choe has been a Commissioner
since March 2004. He is currently Senior Advisor to the Chief Executive Officer of DBS Group Holdings Limited. He was Vice Chairman and Director of DBS Group Holdings Ltd until his retirement on 30 June 2003. He is also Chairman of Singapore Power Limited and sits on the Boards of Singapore Exchange Limited, Singapore Airport Terminal Services Limited and NTUC Income Cooperative. He is also a Governor of Singapore International Foundation. Was awarded the Public Service Star Award in August 2001. The Board of Directors ( BoD) The BoD comprises seven Directors including the President Director and a Director serving in the capacity of Compliance Director. The members of the BoD are proposed and nominated by the Nomination Committee of the bank, to be elected for a term that ends on the close of the third AGM from the date of appointment. The BoD is responsible for the day-to-day management of the bank, including the formulation and execution of business plans, annual budgets and policies, the monitoring and managing of risks, the prudent management of the bank’s assets, resources and reputation, the recruitment and conduct of bank personnel and the formation and operation of management committees in day-to-day governance of the bank. Total remuneration of the BoD as recommended by the Remuneration Committee, for approval at the AGM amounted to Rp 20,739 million (2003: Rp 20,065 million). 66
Compliance Director In accordance with Bank Indonesia’s regulations, a Compliance Director was appointed with the responsibility to ensure all laws, regulations and requirements of regulatory bodies including Bank Indonesia, the Capital Market Authority and the Stock Exchange are met in a timely and accurate manner. The Compliance Director is also responsible for ensuring all internal policies and procedures are adhered to at all times. The Compliance Director is not involved in the day to day operations of the bank but has the right of veto in the event that decisions or policies are taken which contravene regulations or laws. Board Meetings During the year the BoD held 39 meetings. In addition, the BoD and BoC met jointly 4 times during the year. Board of Directors
1
2
3
4
5
6
7
1 Francis Andrew Rozario, President Director Francis Andrew Rozario
has been the bank’s President Director since July 2003. He graduated from Sydenham College, Bombay University, in 1974. He attended the Program for Management Development at Harvard University in 1987. He commenced his career as a Credit Analyst and within a few years was promoted to Corporate Bank Head at Citibank, Dubai. He has served as the Chief Executive for Citibank in Nigeria, Columbia and Ecuador before joining Citibank in New York as Division Head of the Global Relationship Bank for Latin America. He was appointed the Head of Corporate and Investment Bank at Citibank Taiwan in 1993. His last position at Citibank was as Global Head for Commercial and SME for Citigroup International, based in London.
67
2 Emirsyah Satar, Vice President Director Emirsyah Satar has been Vice
President Director elect of the bank since 2003. He graduated from the Faculty of Economics, University of Indonesia, in 1985, majoring in accounting. He started his career as an auditor at PriceWaterhouseCoopers in Jakarta in 1983. Two years later, he was assigned as Assistant to Vice President of Corporate Banking Group at Citibank Jakarta for five years. Afterwards, he became General Manager, Corporate Finance Division with Jan Darmadi Group in Jakarta. Four years later, he joined PT Niaga Factoring Corporation Jakarta as President Director. A little over one year later, he was Managing Director of Niaga Finance Co. Ltd, Hong Kong, a post he held for two and a half years. His last position prior to joining the bank was Finance Director / CFO of PT Garuda Indonesia. 3 Muliadi Rahardja, Director Muliadi Rahardja has been a Director of the
bank since December 1999. He graduated from the Faculty of Economics, University of Indonesia and earned his MBA from the Massachusetts Institute of Technology in 1998. Started his career in a consulting company in 1998, and joined PT Sepatu Bata Indonesia Tbk in 1984. He joined Lippo Group in 1985 and was responsible for Insurance, Garment and Banking, after serving as Deputy Group Head of MIS. In 1989, he joined Bank Danamon as Branch Manager in Tangerang. His most recent position was Head of the Corporate Planning and Strategy Division before he was appointed as Director of the bank. 4 Gatot Mudiantoro Suwondo, Director Gatot Mudiantoro Suwondo has
been a Director of the bank since 2000. He earned an MBA degree from International University, Philippines, in 1982. He started his career as a Marketing Officer with PT Chemco Graha Leasing in 1983 and joined PT First Indo-American Leasing for five years, before entering into a banking career in 1988 with Bank Duta where he worked for 12 years. His last position was as Group Head of Credit Restructuring and Settlement. 5 Anika Faisal, Director Anika Faisal has been a Director of the bank since
2002. She started her banking career with Bank Niaga in 1990, her last post being Legal Division Head. She subsequently joined a law firm in Jakarta before joining IBRA as Executive Assistant to the Chairman. She joined the bank in 2002 and was the Head of the Legal Division prior to being appointed as a Director of Bank Danamon. 6 Jerr y Ng, Director Jerry Ng has served as a member of the Board of
Directors since 2003. Prior to this he served as Deputy President Director of PT Bank Central Asia Tbk, Deputy Chairman and advisor to the Chairman of IBRA. He served in several senior executive positions in the Financial Services Division of Astra International Group (1991-2000) namely Deputy President Director of PT Bank Universal, President Director of PT Federal International Finance, and Commissioner of PT Astra Colonial Mutual Group Life. He started his career at Citibank Indonesia his last position being Assistant Vice President in Consumer Banking services. He is also a Fellow of the Eisenhower Fellowship Foundation. He received his Bachelor of Business Administration in Finance and Business Economics degree from the University of Washington, and attended various executive development programmes at both Stanford Business School and Harvard Business School.
68
7 Tejpal Singh Hora, Director Tejpal Singh Hora has been a Director of the
bank since March 2004. He received a Masters in Business Administration from the Indian Institute of Management Ahmedabad, India. Prior to joining Bank Danamon, he served as the Chief Regional Credit Officer for the Private Bank in Asia Pacific of Citibank Hong Kong since 2000 and Chief Regional Credit Officer for Corporate and FI Relationships in South Asia of Citibank Singapore from 1994 until 2000. He has held senior management positions within the Citibank Group in various countries such as India, Fiji, Canada, UAE, and Saudi Arabia since 1968. The Board of Management ( BoM ) consists of all members of the Board of Directors and the following senior executives:
1
2
3
4
5
1 Vera Eve Lim, Chief Financial Officer Vera Eve Lim has served as a
member of the Board of Management and Chief Financial Officer of the bank since October 2003. She graduated from the Faculty of Economics, Tarumanegara University. Prior to commencing employment with the bank she joined Sinar Mas Dipta Insurance in 1988. She started her career with the bank in 1990 and served as Senior Vice President in charge of financial planning and control prior to her appointment as Chief Financial Officer. 2 Ali Yong, Head of Transaction and Services Ali Yong has served as Head
of Transaction and Services and as a member of the Board of Management since February 2004. He is a graduate of the Institut Technology Bandung. He started his career at Citibank Jakarta in 1994. Later, he joined PT Bank Papan Sejahtera as the Assistant Vice President from 1997 to 1999. His last job before joining the bank was with IBRA in January 1999 where he acted as the IBRA Management Team in Bank Pos. 3 Lam Kun Kin, Head of Treasur y and Capital Markets Lam Kun Kin
has served as a member of the Board of Management and Head of Treasury and Capital Markets since September 2003. He graduated with Bachelor of Accountancy with Honours from National University of Singapore in 1986. In 1990, he became a designated Chartered Financial Analyst. He started his career at Government of Singapore Investment Corporation with his
69
last appointment as the Head of Short Term Assets. Afterwards, he joined Citibank N.A Singapore in 1995 as the Treasury Head, Regional Currencies & Derivatives Products. During his time with Citibank he held various positions. From 2002 until 2003 he was assigned as the Regional Head of Asia Pacific Financial Markets (Trading Products), Regional Head of Asia JV (FX), Singapore Market Manager, Chairman of Bonds in Singapore, Director of CISBL (Merchant Bank Vehicle). 4 Rene Burger, Head of Corporate Banking and Financial Institutions
Rene Burger has served as a member of the Board of Management and Head of Corporate Banking and Financial Institutions since October 2003. He earned his Bachelor degree in Economics and Management (Accounting Concentration) from Albion College, Michigan, USA in 1985. He began his career with Citigroup in Chicago, Illinois in 1985. During 18 years at Citigroup he held various management positions in New York, Germany, Saudi Arabia, Taiwan and Philippines with his last position as Country Risk Manager and Senior Credit Officer of Citibank N.A. Jakarta, Indonesia. 5 Kanchan Nijasure, Chief Technology Officer Kanchan Nijasure has
served as a member of the Board of Management and Chief Technology Officer since April 2004. Prior to this, he served as Global Technology Head for the Commercial and SME business of Citigroup International, based in London. He has held many senior positions in Citigroup in different countries since he joined them in 1987. Prior to that, he used to work with Unisys. He received his Bachelor of Technology degree in Electrical Engineering from the Indian Institute of Technology, Bombay in 1980. The Audit Committee Appointed by and reporting to the BoC, the Audit Committee has the responsibility of providing an independent and professional opinion on aspects of control, risk management, internal and external audit and compliance. A full report from the Audit Committee on such matters is prepared monthly and a report of the principle areas of work covered and their findings during 2004 is included in this annual report. Audit Committee
1
2
3
4
1 Milan Robert Shuster, Chairman (see Board of Commissioners) 2 Sri Adiningsih, Member (see Board of Commissioners)
70
3 Setiawan Kriswanto, Member Setiawan Kriswanto has been a member of
the Audit Committee of Bank Danamon since 2002. Formerly he was Chairman of the Temporary Management Team Banks at IBRA from 1999. Prior to this he served in senior audit positions at Bank Dagang dan Industri (BDI), the Financial and Development Supervisory Board (BPKP) and in the Ministry of Finance, the Republic of Indonesia (DJKPN). He holds degrees from the Sekolah Tinggi Akuntansi Negara (STAN) Jakarta and Sekolah Tinggi Ilmu Ekonomi Indonesia (STIESIA) Surabaya and an MM from Krisnadwipayana University (UNKRIS). 4 Hadi Indraprasta, Member Hadi Indraprasta has been a member of the
Audit Committee of Bank Danamon since May 2004. Prior to this he held a number of senior positions at IBRA from 2000 to 2004. He has held audit and management positions PT Bank Duta and PT Bank Central Asia and commenced his banking career with American Express. He holds a degree from the University of Padjadjaran, Bandung, Faculty of Economics in 1987. Syariah Supervisor y Board Changes to the Articles of Association of PT Bank Danamon Indonesia Tbk as stated in the revised notarial deed No. 52 dated May 27th, 2004 enables Bank Danamon to undertake banking activities on the basis of Islamic Syariah principles and in accordance with the regulations of Bank Indonesia. The Syariah Banking activities are supervised by the Syariah Supervisory Board whose members serve as advisors and counselors to the Board of Directors, the Head of the Syariah Banking Unit and the General Manager of the Syariah Branch Office in all matters pertaining to Syariah banking products and services fully comply with Syariah precepts. This is an independent Board, formed by and responsible to the National Syariah Board (NSB) which operates under the Indonesian Council of Ulemas, and seconded to banks which provide banking services on the basis of Syariah principles with certain rules and regulations provided by the NSB. The Syariah Supervisory Board of Bank Danamon was formed on February 1st, 2002, comprising : • Prof. Dr. H.M. Din Syamsuddin (Chairman) • Drs. Hasanudin, M. Ag (Member) • Ir. H. Adiwarman A. Karim, SE, MBA (Member) Structurally, the Syariah Supervisory Board lies outside of Bank Danamon’s organisational structure and therefore is not responsible to the General Meeting of Shareholders. Management Committees The following committees were active in the management of the bank’s operations during 2004: • The Risk Management Committee ( RMC) is charged with the responsibility to determine the overall risk management policies, risk strategy and risk tolerance level of the bank, credit policies, the credit strategy and the credit limits that the bank imposes on certain borrowers, industries and market segments. It is also responsible for monitoring the implementation of the risk management policy on a bankwide basis in order to ensure that potential losses can be identified in advance and adequately mitigated.
71
Members of the Committee are the Integrated Risk Head who serves as Chairman of the Committee, the President Director and all the Business Heads many of whom are Directors, as well as the Compliance Director. • The Asset and Liability Management Committee (ALCO) is responsible for setting out the policy and strategy for the management of the bank’s risk as relating to interest rates and liquidity. The committee also anticipates the possibility of asset-liability mismatches. Members of ALCO are the President Director who serves as Chairman of the Committee and other senior members of the Board of Management, many of whom are Directors. • The Syariah Financing Policy Committee ( SFPC) is responsible for the formulation of the policy, strategy and administrative procedure for the financing activities and risk management of Bank Danamon’s Syariah Banking Unit, and ensuring that standard operating policies and procedures are adequately enforced and carried out. Members of the SFPC are the President Director who serves as the Chairman of the Committee, a Director serving as Vice Chairman, 2 other Directors and all members of the bank’s Syariah Supervisory Board. • The Know Your Customer Committee ( KYCC) K YCC is responsible for overseeing the “know-your-customer” programme undertaken by Bank Danamon as part of its risk management and increased vigilance over money laundering and other illegal banking practices. Members of the Committee are the Compliance Director, Integrated Risk Director, Consumer Business Head, SME & Commercial Business Head and Corporate & FI Business Head. • The Credit Policy Committee and various Credit Committees (CPC) is responsible for determining credit policy, credit strategy and credit limits that the bank imposes on certain borrowers, industries and market segments. Members of the committee are the President Director who serves as Chairman of the Committee, and other members of the Board of Management, many of whom are Directors. • The Human Resource Committee oversees human resource policies, the bank’s code of ethics and its implementation. Members of the Committee are the President Director who serves as Chairman of the Committee, the Business Heads of Operations, Credit and Compliance, the Board of Directors, as well as Chief and Division Heads of Human Resources. • The Nomination Committee nominates candidates to the BoD in accordance with prevailing requirements and regulations. It also submits the candidate’s nomination to Bank Indonesia. Members of the Committee are the President Commissioner and an Independent Commissioner. • The Remuneration Committee reviews the remuneration packages for the Directors for a given fiscal year based on performance and target achievements. It also evaluates and approves remuneration packages for senior management as proposed by the BoD. Members of the Committee are one member of the Board of Commissioners and an Independent Commissioner. The Corporate Secretar y The Corporate Secretary carries the responsibility for dissemination and disclosure of all information relating to the performance of the bank in a timely, accurate and transparent manner, in compliance with standing regulations applicable to the bank and as a publicly listed company.
72
Material Disclosure
In this section we provide information
Rp 417.2 billion or Rp 85 earnings
Government Divestment
on corporate actions, material events
per share and Rp 194 billion or
On behalf of the Ministry of Finance
and compliance with regulations.
Rp 39.50 earnings per share as the
a further investment holding of
remaining dividend for the fiscal year
10% held by PT Asset Management
Public Expose
2003 and bonuses to Commissioners
Company (Persero) known as PPA
and Directors
was sold on November 4th, 2004
On February 24th, 2004, a public expose was held to communicate
• To approve changes to the
to local and overseas institutional
to the press and public at large the
composition of the Board of
investors through a private
key elements of the bank’s financial
Commssioners and Board of
placement.
condition and performance in the
Directors • To approve the recommendations
Acquisition of Adira Finance
to transparency and regular open
of the Remuneration Committee
On April 8th, 2004 the Board of
dialogue, the bank holds press
and the authority of the President
Directors entered into an agreement
briefings and issues press releases
Commissioner to determine the
to acquire 75% of the shares of Adira
during the year to ensure information
amount of remuneration and
Finance as approved at an EGM.
on matters of interest is disseminated
benefits of the Board of
The conditional sales and purchase
to public.
Commissioners and Board of
agreement was signed on January
Directors
28th, 2004.
year 2003. As part of a commitment
AGMs and EGMs An Annual General Meeting of
• To approve - the structure of and membership of the Audit Committee
Shareholders (AGM) was held
US $ 300 million Subordinated Debt Issuance
March 26th, 2004 with the following
On March 26th, 2004 an Extraordinary
On March 24th, 2004 the bank
resolutions passed:
Meeting of Shareholders resolved:
completed its maiden subordinated
• To approve the report of the Board
• To approve the acquisition of
debt issue, the largest Indonesian
of Directors for the fiscal year ending December 31st, 2003 • To approve the Balance sheet and
PT Adira Dinamika Multifinance Tbk. • To authorise additions to the
issue of its type to date and the first sub-debt issue by an Indonesian
subscribed and paid up capital of
private sector bank. The offer
Profit/Loss Account of the company
the bank in the amount of
attracted over US$ 550 million in
for the fiscal year ending December
Rp 122.67 billion by issuing new
orders with participation by 105
31st, 2003 as audited by Drs. Hadi
shares each with a nominal value of
investors.
Sutanto & Rekan (PwC)
Rp 500
• To approve the appropriation of the
• To approve the implementation of the
Outstanding Litigation
bank’s net income for the year
E/M SOP (Employee/Management
There were no material outstanding
ending December 31st, 2003
Share Option Plan).
cases at December 31st, 2004.
including a cash distribution of interim dividend of
73
Top 25 Debtors As at December 31st, 2004 loans to the bank’s 25 largest debtors amounted to 17.2% of its total loan portfolio, the 5 largest debtors represented 6.5% and the largest debtor accounted for 1.8% of the total portfolio. No
Business Type
Amount (in Rp million)
% of total loans
1 2
Electronic Appliances
525,000
1.8%
Wire Rod Manufacture
433,866
1.5%
3
Coal Mining
363,972
1.2%
4
Electricity
307,396
1.0%
5
Cigarettes Industr y
300,000
1.0%
6
Polyester, PET Resin, Spun Yarn Producers
299,707
1.0%
7
Consumer Electronic Manufacturer
278,550
0.9% 0.9%
8
Food & Consumer Goods Industr y
263,105
9
Cigarette Manufacture
250,000
0.8%
10
Reinforcing Steel Bar
233,450
0.8%
11
Coal Mining
186,892
0.6%
12
General Trading and Distribution
179,123
0.6%
13
Telecomunication
158,275
0.5%
14
Multi Finance
153,832
0.5%
15
Coal Mining Contractor
139,163
0.5%
16
Food Industr y
116,063
0.4%
17
Feed Mill Manufacture
115,000
0.4%
18
Shipping Company for Coal Transpor tation
110,757
0.4%
19
Information Technology
104,108
0.4%
20
Car Rental
101,598
0.3%
21
Retailer
100,000
0.3%
22
Motor Cycle Components, Healthcare, Supermarket Equipments and Metal Finishing
98,876
0.3%
23
Coal Mining Contractor
85,805
0.3%
24
Industrial Gas Manufacturer
84,841
0.3%
25
Sugar Refiner y Industr y
84,735
0.3%
5,074,114
17. 2%
Total
Regulator y Compliance Capital Adequacy Ratio (CAR) - without market risk charge The bank’s CAR was 27%, above the minimum requirement by Bank Indonesia of 8% as of December 31st, 2004. Non Per forming Loans ( NPL) The gross NPL ratio as of December 31st, 2004 was 4% compared with the limit of 5% set by Bank Indonesia. Net Open Position ( NOP) The bank’s NOP as of December 31st, 2004 was 1.03% compared with the regulation of Bank Indonesia which stipulates a maximum of 20% of equity. Legal Lending Limit ( LLL) As of December 31st, 2004 there were no loans to any individual debtors or group of debtors that did not comply with the LLL requirements of Bank Indonesia.
74
Report of the Integrated Risk Management Division
Risk Management
Bank Danamon believes in Enterprise
• Risk Management Policies and
All processes and procedures are
Risk Management as an approach
Processes at business level are
subject to regular reviews by the
to manage all risks. This requires a
appropriate and consistent
Integrated Risk Group as well as
proactive, systematic risk management and disciplined process covering all the risks in all activities - Credit Risk, Market Risk, Liquidity Risk and
• Adequate systems and technology is employed
Internal Audit, which also carries out an independent credit risk review.
• Skilled and experienced human resources are deployed
Market Risk Management Principles
Operational Risk: Legal, Compliance and Reputation Risk are managed as
Credit Risk Management
Similar to the other risk functions,
part of Operational Risk.
Principles
market risk is managed based on
Bank Danamon manages credit
international best practices. Value
framework and independent control,
risk by establishing policies and
at Risk limits are used in managing
Bank Danamon has established an
procedures covering Origination,
the overall risk exposure and to track
Integrated Risk Management Group;
Underwriting, Maintenance
trading profits on a real-time basis.
however, we work on the principle that
and Collection of all credit risk
Risk Management is the responsibility
undertaken to ensure that the risk
Foreign Exchange, Interest Rate
of all businesses and employees and
profile is within an acceptable range.
and Optionality risks are monitored
To provide the risk management
not only a central function.
Portfolio limits are set for the
Market risk factors such as
and measured based on established
bank wide portfolio as well as for
pricing models used in the interbank
Management requires strong internal
each line of business, taking into
markets. Trading and investment
controls, a close cooperation with the
consideration business plans,
positions are marked to market
Internal Audit function and - above
portfolio quality, industry or
every day (even though this is not
all - the right skilled people, who are
other concentrations, product
required for the Investment Book).
supported by the right technology.
profitability and expected net credit
This conservative approach ensures
losses.
that all positions are within the risk
We also believe that Risk
Integrated Risk Management or
Reserves are maintained to cover
appetite and risk tolerance limits of
Enterprise Risk Management ensures
expected credit losses (specific
that:
reserves) and to cover unexpected
• Bank Danamon takes an holistic
credit losses (general reserves) at all
caters to Bank Indonesia and
times.
conforms with Basel II requirements
approach to all risks • Risk Management framework and
A credit risk management function
policies at a bank-wide level and on
is in place for each line of business,
a business level is in place
ensuring a proper segregation of
• All risks are accurately measured and documented • Losses are always within pre established boundaries • Risk Management in the businesses is structured properly
the bank. Our market risk policy manual
and is reviewed on a monthly basis. Updates are done when necessary.
duties and under the supervision
Liquidity Risk Management
of the Integrated Risk Head. Credit
Principles
Authorities are delegated based on
We are also cognizant of the liquidity
experience and track record of the
risk that arises from non-trading
respective individual and on business
positions such as corporate and
requirements.
consumer loans and deposits. In
75
respect thereof, we have implemented a liquidity framework which clearly distinguishes between the liquidity requirements of our trading activities and traditional banking activities. Our concept rests on the belief that prudent liquidity management requires that the bank must be adequately funded under all and any circumstances. We follow international best practices and are fully compliant with Bank Indonesia regulations on efficient and effective liquidity risk management. Our liquidity framework is an example of the robust and reliable policies and procedures that we have institutionalised which we will continue to enhance as we strive to maintain Bank Danamon’s competitive advantage through good risk management techniques. Operational Risk Management Principles A systematic operational risk management framework is in place to ensure operational risks are properly identified and controlled in a timely manner. This encompasses a variety of controls including formal policies and documented procedures. In addition, a comprehensive self assessment process has been established, covering key areas bankwide. We are also developing operational risk management tools which are in-line with Basel II requirements and Central Bank regulations to measure operational risk that arises in risk taking units/operation units, building up a risk event data base. All process controls, policies, procedures and tools are subject to frequent independent reviews and regular and ongoing improvements. Risk Monitoring Bank Danamon carefully reviews all its risk positions in a timely manner, with relevant risk positions being monitored on a daily basis. In addition, monthly comprehensive reviews are conducted, covering bankwide risks as well as specific risk issues that may arise. Risk parameters and external factors such as market and business conditions are reviewed on an ongoing basis. The main task of risk monitoring falls with the management committees that primarily deal with risk management issues. They comprise the Risk Management Committee, the various business Credit Committees, Asset & Liability Committee, Operational Risk Committee, Syariah Financing Policy Committee and Know-Your-Customer Committee. Risk Management Committee ( RMC) RMC is charged with the responsibility to determine the overall risk management policies, risk strategy and risk tolerance level of the bank, credit policies, the credit strategy and the credit limits that the bank imposes on certain borrowers, industries and market segments. It is also responsible for monitoring the implementation of the risk management policy on a bankwide basis in order to ensure that potential losses can be identified in advance and adequately mitigated. Members of the Committee are the Integrated Risk Head who serves as Chairman of the Committee, the President Director and all the Business Heads many of whom are Directors, as well as the Compliance Director.
76
Business Credit Committees ( BCC) The Business Credit Committees are tasked with the approval of credit proposals and are responsible for credit quality of the underwriting standards within the business. Limits are established for the various members of the Credit Committee based on their skill and experience. All credit must be approved by at least 2 members of the BCC, one of whom must have a limit to approve the credit. Asset and Liability Committee (ALCO) ALCO is responsible for setting out the policy and strategy for the management of the bank’s risk as relating to interest rates and liquidity. The committee also anticipates the possibility of asset-liability mismatches. Members of ALCO are the President Director who serves as Chairman of the Committee and other senior members of the Board of Management, many of whom are Directors. Operational Risk Committee (ORC) ORC is responsible for regular reviews of operational issues arising in branches or other operational units. It also initiates corrective action where warranted and disseminates operational issues throughout the bank. The committee is chaired by the Head of Operational Risk Management. Syariah Financing Policy Committee ( SFPC) SFPC is responsible for the formulation of policy, strategy and administrative procedures for the financing activities and risk management of Bank Danamon’s Syariah Banking Unit, and ensuring that standard operating policies and procedures are adequate enforced and carried out. Members of the SFPC are President Director who serves as the Chairman of the Committee, a Director serving as Vice Chairman, 2 other Directors and all members of the bank’s Syariah Supervisory Board. Know Your Customer Committee ( KYCC) K YCC is responsible for overseeing the “know-your-customer” programme undertaken by Bank Danamon as part of its risk management and increased vigilance over money laundering and other illegal banking practices. Members of the Committee are the Compliance Director, Integrated Risk Director, Consumer Business Head, SME & Commercial Business Head and Corporate & FI Business Head. Key developments in 2004 In 2004, Bank Danamon continued to systematically improve its risk management, benchmarking itself against international best practice and Basel II requirements. In particular, Bank Danamon mandated an independent consultant to review key operational procedures. Key positions have been filled with experienced senior staff and MIS has been upgraded significantly. Taking a conservative approach, an automated write-off policy and system for mass businesses has been implemented. All relevant policies and risk acceptance criteria have been reviewed and updated as necessary. Bank Danamon has also continued to improve existing risk scoring and other tools with the goal of fulfilling Basel II requirements in line with Bank Indonesia regulations.
77
Financial Review
2004 at a glance: The Figures Consolidated Key Financial Data 20 04
20 03
20 02
Net Interest Income
4,018
2,551
1,737
Non Interest Income
1, 279
1,812
898
Total Operating Income
5, 297
4,363
2,635
(in billion Rupiah, except for ratios and share data)
Operating Results
Provisions Operating Expenses
397
(1,326)
(279)
( 2 ,118 )
(1,689)
(1,367)
Net Operating Income
3,576
1,348
989
Income Before Tax
3,378
1,573
989
Net Income
2 ,408
1,530
948
Profitabilit y Ratios Net Interest Margin Cost to Income
8. 2%
5.5%
4.1%
41.5%
45.1%
45.0%
Return on Average Assets
4.5%
3.2%
2.0%
Return on Average Equity
38.6%
30.5%
22.3%
65,605
58,408
50,933
58,812
52,682
46,911
29,416
20,849
17,695
Government Bonds
17,324
21,234
15,640
Third Par ty Funds
40,765
40,215
35,330
7,804
6,822
4,653
Balance Sheets Data Assets & Commitments
a)
Assets Loans
b)
c)
Equity Assets Qualit y Ratios Non-Per forming Loans/ Total Loans - Gross
4.0%
6.8%
4.4%
Loan Loss Allowance/ Total Loans
5.5%
10.8%
5.9%
136.5%
159.7%
132.8%
72 . 2%
56.5%
51.5%
40.7%
41.4%
42.0%
Loan Loss Allowance/Non-Per forming Loans Liabilities Ratios Loan to Deposit Ratio CASA
d)
c)
to Total Deposits
Capital Ratios 27.0%
26.8%
25.3%
Tier 1 Capital
19.1%
23.4%
21.7%
Equity/Assets
13.3%
12.9%
9.9%
Capital Adequacy Ratio
a) b) c) d) e)
78
e)
Net commitments and contingencies Loans purchased from IBRA are stated at purchase price Deposits include deposits from other banks Current accounts and savings accounts Without market risk charge
Income Statement Solid growth and significant margin improvement Net income Net income grew 57% in 2004 to Rp 2,408 billion or Rp 490.75 basic earnings per share. The main factors behind this performance were growth of 58% in net interest income to Rp 4,018 billion in line with a substantial increase in the bank’s loan portfolio and lower interest expense driven by lower prevailing interest rates and improvements in liabilities pricing and cost management. These factors produced a significant improvement in net interest margin from 5.5% to 8.2%. Despite the expansion of our branch network by 264 DSP units and about 3,000 staff, costs were well managed in line with our business expansion. The cost to income ratio fell from 45.1% in 2003 to 41.5% in 2004, and is one of the lowest among leading Indonesian banks. Interest income Although prevailing market rates continued to decline, interest income grew 10% indicating the extent of the expansion of our loan book and a steady improvement in asset mix. Government bonds contributed 27% of total interest income, while the higher yield loan portfolio contributed 54%. Finance company subsidiary, Adira Finance, acquired in April 2004 contributed very positively with 13% of total interest income. Table of Interest Analysis (Rp billion)
Interest Income
20 04
% contribution
20 03
% contribution
Loans
3,416
54
3,383
58
Government bonds
1,729
27
1,800
31
Marketable securities and bills
337
5
587
10
Consumer financing income
852
13
-
-
Placement with other banks
60
1
19
1
6,394
10 0
5,789
10 0
Interest Expenses
20 04
% contribution
20 03
% contribution
Time deposits
1,198
50
1,814
56
403
17
772
24
89
4
155
5
457
19
407
12
Total
Saving accounts Demand deposits Borrowings and deposits from other banks Interest and finance charges in relation to consumer financing Others Total
128
6
-
-
101
4
90
3
2 ,376
10 0
3, 238
10 0
79
Interest expense Interest expenses declined 27%, partly due to the decline of prevailing market rates through the year. Aside from the declining interest rates, the bank took an initiative to reduce deposits interest rates in middle of 2003 which has benefited the bank throughout 2004. Non-interest Income A reduction of non-interest income from Rp 1,812 billion to Rp 1,279 billion hid an improvement in recurring non-interest income. Non-recurring income reduced year on year: there was a reduction in one off gains on sales of marketable securities as we continued to reduce the level of Government bonds in the balance sheet and there were no further contributions to fee income from the Prima Investa mutual fund which we terminated toward the end of 2003. Recurring income grew year on year: within the total of Rp 756 billion in fees for 2004 was a significant increase in recurring income in the form of fees relating to cash management and trade finance. Credit related fees and commissions were up 14% to Rp 567 billion. Non-Interest Income Rp billion
1,812
1,279 1,205 523
607
756
2003
2004
Non-Recurring
(Rp billion)
20 03
20 04
Change
Non-Recurring Gain on sale of mark. securities and bond Non-Recurring fees Others
1, 205
523
( 57%)
796 282 127
430 47 46
(46%) (83%) (64%)
607
756
25%
498 109
567 189
14% 73%
1,812
1, 279
( 29%)
Recurring Credit related fees & commission Other fee income Total
Recurring
Other Operating Expenses General and administrative expenses were just under 4% higher in 2004. Office expenses, communication and depreciation were higher by about a third in view of the premises expansion while advertising and promotions costs were lower: a timing issue as we prepare to support the Bank Danamon brand across a much enlarged franchise in 2005. Salaries were adjusted in line with market rates and a further 3,000 staff were recruited and trained. In addition, a number of senior professionals with specialist expertise were put in place as part of our ongoing strategy to boost fee income and relationship management in our targeted market segments.
80
Operating Expenses Rp billion
2,027 1,595
Breakdown of Expenses Grow th
1,129 • 11% consolidation of Adira Finance
734
• 5% business expansion - Branch Expansion - Recruitment of 3000 employees
861
898
• 2% ESOP program • 9% Business as usual
2003
2004
Salaries & Employees Benefits G& A Expenses
Provisions There was a noticeable reduction in allowances for possible losses on income earning assets in 2004. Following our decision in 2003 to downgrade and fully provide for selected loans, one year later we were able to record a number of recoveries, primarily on loans purchased from IBRA which amounted to Rp 432 billion at year end. As the bank’s loan book has increased, the quality of the portfolio has been raised through improvements in risk assessment. Our more targeted new business strategy has proven to be effective. Net operating income Primarily a function of the significant rise in net interest and a 42% reduction of operating expenses and provisions, net operating income rose 165% to Rp 3,576 billion. Income before tax After adjustments for non-operating income and expenses, a mix of losses on disposal of foreclosed assets and amortisation of goodwill relating to the acquisition of Adira Finance, we recorded an increase of 115% in profit before tax, to Rp 3,378 billion. Net income After several years of carrying forward tax losses incurred in connection with the recapitalisation of the bank, a substantial provision for tax has been set aside in 2004. Net income was 58% higher at Rp 2,408 billion or Rp 490.75 basic earnings per share.
81
Financial Position Overview The total balance sheet grew by 12% year to year and was strengthened through an improvement in asset mix, stability in the third party deposit base and the re-investment of net profit to increase shareholders’ funds. Assets: Credit growth The main features to note are an increase of 41% in outstanding loans, now representing 50% of total assets and a reduction in the level of Government bonds to less than 30% of total assets. Non-performing loans (NPL)-gross expressed as a percentage of total loans reduced from 6.8% to 4.0% and the bank’s loan loss allowance remains prudent at 137% of total non-performing loans. A full analysis is set out below:
Outstanding Loans, in trillion Rupiah Loans continue to grow strongly across all major segments. Gains in SME and consumer loans resulted in a change of overall mix in the loan por tfolio with improved earnings.
29.4 22%
20.9
17.7
24%
32%
38%
34%
41%
38%
34% 2002
37%
2003
20 04 Loan Grow th
Rp billion
Change
Corporate SME & Commercial Consumer
1,559 2,882 4,125
32% 36% 52%
Total
8,567
41%
2004
Corporate SME & Commercial Consumer
Breakdown of Loans Loans are well distributed across major sectors of the economy
By Type
By Economic Sectors
as of 31 Dec, 2004
as of 31 Dec, 2004
Consumer 41%
Gen. Trading & Distribution 22%
Manufacturing 20%
Bus. Ser vices 7%
Investment 18%
Transpor tation 3% Others 7%
Expor t 2% Working Capital 39%
82
Consumer 41%
Non-Performing Loans (NPL), in billion Rupiah Loan quality remains prudently managed with adequate provisions
20 04 Pass
20 03
20 02
26,110
88.8%
18,363
88.1%
15,981
2,054
7.0%
864
4.2%
909
5.2%
Sub Standard
456
1.5%
1,089
5.2%
696
3.9%
Doubtful
565
1.9%
422
2.0%
109
0.6%
Loss
231
0.8%
111
0.5%
0
0.0%
29,416
100.0%
20,849
100%
17,695
100%
1,176
4.0%
1,537
6.8%
805
4.4%
Special Mention
Total Outstanding Loans Non Per forming Loans
NPL / Total Loans
NPL Coverage
%
%
7.5
157
6.8
6.5
6.2
160
158
154
140
LLP/NPL
4.0
4.9
4.1
4.3
NPL excluding IBRA loans Sep03
Dec03
Mar04
Jun04
137
5.8 Gross NPL
5.1
90.3%
102
93 68
3.1 Sep04
99
82
4.0
50
LLP(NPL+SM)
Dec04
Sep03
Dec03
Mar04
Jun04
Sep04
Dec04
LLP: Loan Loss Provision SM: Special Mention Loan
Government Bonds Exposure to Government bonds has been gradually reduced. The level of Government bonds was reduced by Rp 3.9 trillion in 2004, accounting for just 29% of total assets. At balance sheet date 69.1% are classified as held to maturity and the bank will retain Government bonds as a normal instrument for liquidity purposes.
Government Bonds Portfolio Rp trillion
21.2
Bought Back Rp 6 tn bonds as a result of Prima Investa termination
18.9
18.3
18.4
65%
59%
61%
55%
35%
41%
39%
45%
Mar 04
Jun 04
Sep 04
Dec 04
17.3
14.4 65% 51%
49%
35%
Sep 03
Dec 03
Variable Rate Fixed Rate
83
Liabilities: reduction in interest paid Total deposits grew 1%, however setting aside an amount of Rp 7.3 trillion included in total time deposits from the conversion of a discontinued mutual fund in the last quarter of 2003, the underlying volume of third party funds actually grew by 24% year on year. The chart below illustrates deposits growth on a quarter by quarter basis from September 2003 to year end 2004 and the major changes in the constituent elements of our total deposits base.
Third Party Funds Rp trillion
Withdrawal of Rp 2.7 tn funds following the completion of IBRA’s operation Conversion of Prima Investa into Rp 7.3 tn TD Bonus
40.2
40.8 39.0
33.0
Sep 03
Dec 03
Mar 04
36.2
Jun 04
36.4
Sep 04
Dec 04
Time Deposit Bonus IBRA Funds Time Deposits Current Account & Savings Account (CASA)
While the loan to deposit ratio increased to 72% in 2004, in line with the expansion of the bank’s lending activities, one of the ongoing challenges is the extent to which the third party funding base will grow. As explained in our commentary accompanying the income statement, there was encouraging growth in underlying commercial deposits in 2004 to Rp 40.8 trillion representing 80% of total liabilities. Low cost funds, in the form of current accounts and savings accounts accounted for 41% of total third party funds raised.
84
A total of Rp 2.7 trillion subordinated debt (US$300 million) was raised in the first quarter of the year to fund the bank’s expansion plans. The capital adequacy ratio (without market risk charge) as at year-end was 27%, a level that is well in excess of the 8% minimum requirement of Bank of International Settlements (BIS) and Bank Indonesia. Tier 1 capital ratio was 19.1% (2003: 23.4%) and Tier 2 was 10.6% (2003: 3.6%). The Board of Directors is confident that this level of capital positions the bank well for prudent growth as the economy improves. A full analysis of the bank’s regulatory capital position is set out below. Regulatory Capital (in billion Rupiah)
20 04
20 03
20 02
Tier 1 Capital
6,40 0
5,366
4,464
Paid-in Capital
3,600
3,562
3,562
Additional Paid-in Capital (premium)
25
25
25
General Reser ves
25
10
0
Retained Earnings
1,884
979
611
Disclosed Reser ves
Prior Year Losses (100%)
-
-
-
863
787
263
3
3
3
-
-
-
-
-
-
3,547
832
795
-
-
-
Profit During the Year Net of Taxes (50%) Dif ference in Foreign Currency Translation of Overseas Branch Deferred Taxes Dif ference from Restructuring Transaction of Entities under Common Control - Merger Banks Tier 2 Capital Reser ves from Revaluation of Fixed Assets General Allowance for Productive Assets
347
257
213
Subordinated Loan (max. 50% of Tier 1 Capital)
(max. 1.25% of RWA)
3,200
575
582
Tier 1 + 2 Capital
9,947
6,198
5, 259
Long Term Investment
889
50
56
9,058
6,148
5, 203
Risk Weighted-Based Assets
33,541
22,906
20,540
Capital Adequacy Ratio (without market risk charge)
27.0%
26.8%
25.3%
Tier 1 Ratio
19.1%
23.4%
21.7%
Total Capital
Equity and Dividend The bank returned Rp 877 billion to shareholders through a cash dividend of Rp 178.7 per share or 50% of of the bank’s first nine months profits in 2004. Shareholders’ equity through retained earnings increased to Rp 7.8 trillion. Bank Danamon was able to deliver a significant improvement in return on average equity (ROAE) up from 31% to 39% in 2004. Among leading Indonesian banks, Bank Danamon has the highest return on average assets at 4.5% (2003: 3.2%). Disclosures At year end the bank’s net open position (NOP) was 1.03% (2003: 1.04%) well below the 20% minimum stipulated by Bank Indonesia.
85
Responsibility for Financial Reporting This Annual Report and the accompanying financial statements and related financial information, are the responsibility of the Management of Bank Danamon and have been approved by members of the Board of Directors and the Board of Commissioners whose signatures appear below:
Sim Kee Boon
I Nyoman Sender
Sumarno Surono
President Commissioner
Vice President Commissioner
Commissioner
Sri Adiningsih
Milan Rober t Shuster
Gan Chee Yen
Commissioner
Commissioner
Commissioner
Edwin Gerungan
Harr y Arief Soepardi Sukadis
Liew Cheng San Victor
Commissioner
Commissioner
Commissioner
Francis Andrew Rozario
Emirsyah Satar
Jerr y Ng
President Director
Vice President Director
Director
Gatot Mudiantoro Suwondo
Anika Faisal
Muliadi Rahardja
Director
Director
Director
Ng Kee Choe Commissioner
Tejpal Singh Hora Director
86
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY LAPORAN KEUANGAN KONSOLIDASIAN/ CONSOLIDATED FINANCIAL STATEMENTS 31 DESEMBER/DECEMBER 2004, 2003 DAN / AND 2002
Haryanto Sahari & Rekan
A member firm of
Kantor Akuntan Publik Haryanto Sahari & Rekan Gedung PricewaterhouseCoopers Jl. H.R. Rasuna Said Kav. C-3 Jakarta 12920 – INDONESIA Telephone: +62 21 5212901 – 06 Facsimile: +62 21 5212911/12 www.pwc.com
LAPORAN AUDITOR INDEPENDEN KEPADA PARA PEMEGANG SAHAM
INDEPENDENT AUDITORS' REPORT TO THE SHAREHOLDERS OF
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY
Kami telah mengaudit neraca konsolidasian PT Bank Danamon Indonesia Tbk dan Anak Perusahaan tanggal 31 Desember 2004, 2003 dan 2002, dan laporan laba rugi, laporan perubahan ekuitas serta laporan arus kas konsolidasian untuk tahun yang berakhir pada tanggaltanggal tersebut. Laporan keuangan konsolidasian adalah tanggung jawab Manajemen. Tanggung jawab kami terletak pada pernyataan pendapat atas laporan keuangan konsolidasian berdasarkan audit kami. Kami tidak mengaudit laporan keuangan Anak Perusahaan yang merupakan 2,7% dari total aktiva konsolidasian pada tanggal 31 Desember 2004 dan 12,5% dari total laba bersih konsolidasian untuk tahun yang berakhir pada tanggal tersebut. Laporan keuangan tersebut diaudit oleh auditor independen lain yang laporannya telah diserahkan kepada kami dan pendapat kami, sejauh yang berkaitan dengan jumlah-jumlah untuk Anak Perusahaan tersebut, semata-mata hanya berdasarkan atas laporan auditor independen tersebut.
We have audited the accompanying consolidated balance sheets of PT Bank Danamon Indonesia Tbk and Subsidiary as at 31 December 2004, 2003 and 2002, and the related consolidated statements of income, changes in equity and cash flows for the years then ended. These consolidated financial statements are the responsibility of the Management. Our responsibility is to express an opinion on these consolidated financial statements based on our audits. We did not audit the financial statements of the Subsidiary which represents 2.7% of the total consolidated assets as at 31 December 2004 and 12.5% of the total consolidated net income for the year then ended. The Subsidiary’s financial statements were audited by another independent auditor whose report has been provided to us and our opinion, in so far as it relates to amounts included for the Subsidiary, is based solely on the report of the other independent auditor.
Kami melaksanakan audit berdasarkan standar auditing yang ditetapkan Ikatan Akuntan Indonesia. Standar tersebut mengharuskan kami merencanakan dan melaksanakan audit agar kami memperoleh keyakinan memadai bahwa laporan keuangan bebas dari salah saji material. Suatu audit meliputi pemeriksaan, atas dasar pengujian, bukti-bukti yang mendukung jumlah-jumlah dan pengungkapan dalam laporan keuangan. Audit juga meliputi penilaian atas prinsip akuntansi yang digunakan dan estimasi signifikan yang dibuat oleh Manajemen, serta penilaian terhadap penyajian laporan keuangan secara keseluruhan. Kami yakin bahwa audit kami memberikan dasar memadai untuk menyatakan pendapat.
We conducted our audits in accordance with auditing standards established by the Indonesian Institute of Accountants. Those standards require that we plan and perform the audit to obtain reasonable assurance that the financial statements are free of material misstatement. An audit includes examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements. An audit also includes assessing the accounting principles used and significant estimates made by Management, as well as evaluating the overall presentation of the financial statements. We believe that our audits provide a reasonable basis for our opinion.
Menurut pendapat kami, laporan keuangan konsolidasian yang disebut di atas menyajikan secara wajar, dalam semua hal yang material, posisi keuangan konsolidasian PT Bank Danamon Indonesia Tbk dan Anak Perusahaan tanggal 31 Desember 2004, 2003 dan 2002 dan hasil usaha, serta arus kas konsolidasian untuk tahun yang berakhir pada tanggal-tanggal tersebut sesuai dengan prinsip akuntansi yang berlaku umum di Indonesia.
In our opinion, the consolidated financial statements referred to above present fairly, in all material respects, the consolidated financial position of PT Bank Danamon Indonesia Tbk and Subsidiary as at 31 December 2004, 2003 and 2002 and the consolidated results of their operations, and cash flows for the years then ended, in conformity with accounting principles generally accepted in Indonesia.
Nomor Izin Usaha: KEP-131/KM.6/2004
A member firm of
Haryanto Sahari & Rekan Audit kami dilaksanakan untuk menyatakan pendapat atas laporan keuangan konsolidasian secara keseluruhan. Informasi keuangan tambahan PT Bank Danamon Indonesia Tbk, induk perusahaan saja, pada tanggal dan untuk tahun yang berakhir 31 Desember 2004, 2003 dan 2002, yang terlampir pada lampiran 6/1 sampai 6/8 disajikan untuk tujuan analisa tambahan dan bukan merupakan bagian yang diharuskan dari laporan keuangan konsolidasian. Informasi keuangan tambahan tersebut telah tercakup dalam prosedur audit yang kami lakukan atas audit laporan keuangan konsolidasian dan menurut pendapat kami, dalam segala hal yang material, telah disajikan secara wajar, dalam hubungannya dengan laporan keuangan konsolidasian secara keseluruhan.
Our audits were conducted to form an opinion on the consolidated financial statements taken as a whole. The supplementary financial information on schedules 6/1 to 6/8 in respect of PT Bank Danamon Indonesia Tbk, parent company only, as at and for the years ended 31 December 2004, 2003 and 2002 is presented for the purpose of additional analysis and is not a required part of the consolidated financial statements. Such supplementary financial information has been subjected to auditing procedures applied in the audit of the consolidated financial statements and in our opinion, is fairly stated in all material respects in relation to the consolidated financial statements taken as a whole.
JAKARTA 4 Pebruari / February 2005
Drs. Haryanto Sahari Surat Izin Praktek Akuntan Publik / License of Public Accountant No. 98.1.0286
The accompanying consolidated financial statements are not intended to present the consolidated financial position, results of operations, and cash flows in accordance with accounting principles and practices generally accepted in countries and jurisdictions other than Indonesia. Accordingly the accompanying consolidated balance sheets and related consolidated statements of income, and consolidated cash flows and their utilisation are not designed for those who are not informed about Indonesian accounting principles, procedures and practices. The standards, procedures and practices utilised in Indonesia to audit such consolidated financial statements may differ from those generally accepted in countries and jurisdictions other than Indonesia.
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY NERACA KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah, kecuali nilai nominal per saham)
CONSOLIDATED BALANCE SHEETS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah except par value per share)
Catatan/ Notes
2004
2003
2002
AKTIVA Kas Giro pada Bank Indonesia Giro pada bank lain setelah dikurangi penyisihan kerugian sebesar Rp 5.169 pada tahun 2004 (2003: Rp 6.725; 2002: Rp 3.457) Penempatan pada bank lain setelah dikurangi penyisihan kerugian sebesar Rp 7.264 pada tahun 2004 (2003: Rp 20.866; 2002: Rp 14.903) Efek-efek setelah dikurangi penyisihan kerugian sebesar Rp 17.317 pada tahun 2004 (2003: Rp 14.975; 2002: Rp 30.910) - Pihak yang mempunyai hubungan istimewa - Pihak ketiga Efek yang dibeli dengan janji dijual kembali setelah dikurangi penyisihan kerugian sebesar Rp 205 pada tahun 2004 (2003 dan 2002: Rp nihil) Tagihan derivatif setelah dikurangi penyisihan kerugian sebesar Rp 233 pada tahun 2004 (2003: Rp 7; 2002: Rp nihil) Pinjaman yang diberikan setelah dikurangi penyisihan kerugian sebesar Rp 1.606.597 pada tahun 2004 (2003: 4.323.969; 2002: 1.570.874) dan pendapatan yang ditangguhkan sebesar Rp 76.421 pada tahun 2004 (2003 : Rp 117.224; 2002: Rp nihil) - Pihak yang mempunyai hubungan istimewa - Pihak ketiga Piutang pembiayaan konsumen setelah dikurangi penyisihan kerugian sebesar Rp 23.808 pada tahun 2004 Tagihan akseptasi setelah dikurangi penyisihan kerugian sebesar Rp 5.835 pada tahun 2004 (2003: Rp 7.197; 2002: Rp 2.722) Obligasi Pemerintah Pajak dibayar dimuka Penyertaan setelah dikurangi penyisihan penurunan nilai investasi sebesar Rp 414 pada tahun 2004 (2003: Rp 1.874; 2002: Rp 4.548) Goodwill setelah dikurangi amortisasi sebesar Rp 86.974 pada tahun 2004 Aktiva tetap setelah dikurangi akumulasi penyusutan sebesar Rp 631.458 pada tahun 2004 (2003: Rp 576.846; 2002: Rp 504.620)
ASSETS 3
753,256
1,011,873
1,052,192
4
2,662,100
2,152,945
1,747,820
2e,2k,5
645,553
665,780
342,195
2f,2k,6
721,126
2,065,722
1,475,356
3,528,222
10,000 4,453,075
6,709,940
2h,2k
20,245
-
-
2i,2k,8
22,986
724
29
8,283 27,724,292
6,564 18,269,820
7,654 16,618,845
2g,2k,7 2y, 40a
Cash Current accounts with Bank Indonesia Current accounts with other banks net of allowance for possible losses of Rp 5,169 in 2004 (2003: Rp 6,725; 2002: Rp 3,457) Placements with other banks net of allowance for possible losses of Rp 7,264 in 2004 (2003: Rp 20,866; 2002: Rp 14,903) Marketable securities net of allowance for possible losses of Rp 17,317 in 2004 (2003: Rp 14,975; 2002: Rp 30,910) Related parties Third parties Securities purchased under resale agreements net of allowance for possible losses of Rp 205 in 2004 (2003 and 2002: Rp nil) Derivative receivables net of allowance for possible losses of Rp 233 in 2004 (2003: Rp 7; 2002: Rp nil) Loans net of allowance for possible losses of Rp 1,606,597 in 2004 (2003: Rp 4,323,969; 2002: Rp 1,570,874) and deferred income of Rp 76,421 in 2004 (2003: Rp 117,224; 2002: Rp nil)
2j,2k,9 2y,40b
2k,2l,10
845,812
-
-
2m,2k,11 2g,12 2v,23a
517,049 17,324,189 -
412,112 21,233,696 3,727
177,744 15,639,724 7,459
2n,2k,13
76,623
40,915
38,983
2c,14
608,815
-
-
2o,15
1,297,171
615,353
666,385
Catatan atas laporan keuangan konsolidasian merupakan bagian tak terpisahkan dari laporan keuangan konsolidasian secara keseluruhan.
Related parties Third parties Consumer financing receivables net of allowance for possible losses of Rp 23,808 in 2004 Acceptance receivables net of allowance for possible losses of Rp 5,835 in 2004 (2003: Rp 7,197; 2002: Rp 2,722) Government Bonds Prepaid taxes Investments net of allowance for diminution in value of Rp 414 in 2004 (2003: Rp 1,874; 2002: Rp 4,548) Goodwill net of amortisation of Rp 86,974 in 2004 Fixed assets net of accumulated depreciation of Rp 631,458 in 2004 (2003: Rp 576,846; 2002: Rp 504,620)
The accompanying notes form an integral part of these consolidated financial statements.
LAMPIRAN – 1/1 – SCHEDULE
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY NERACA KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah, kecuali nilai nominal per saham)
CONSOLIDATED BALANCE SHEETS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah except par value per share)
Catatan/ Notes
2004
2003
2002
AKTIVA (lanjutan) Aktiva pajak tangguhan Biaya dibayar di muka dan aktiva lain-lain setelah dikurangi penyisihan kerugian sebesar Rp 4.687 pada tahun 2004 (2003: Rp 29.862; 2002: Rp 28.451) JUMLAH AKTIVA
ASSETS (continued) 2v,23d
2p,2k,16
178,626
285,634
328,830
1,877,417
1,454,003
2,098,190
Deferred tax asset Prepayments and other assets net of allowance for possible losses of Rp 4,687 in 2004 (2003: Rp 29,862; 2002: Rp 28,451)
58,811,765
52,681,943
46,911,346
TOTAL ASSETS
Catatan atas laporan keuangan konsolidasian merupakan bagian tak terpisahkan dari laporan keuangan konsolidasian secara keseluruhan.
The accompanying notes form an integral part of these consolidated financial statements.
LAMPIRAN – 1/2 – SCHEDULE
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY NERACA KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah, kecuali nilai nominal per saham)
CONSOLIDATED BALANCE SHEETS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah, except par value per share)
Catatan/ Notes
2004
2003
2002
KEWAJIBAN DAN EKUITAS KEWAJIBAN Kewajiban segera Simpanan nasabah: - Pihak yang mempunyai hubungan istimewa - Pihak ketiga Simpanan dari bank lain Efek yang dijual dengan janji dibeli kembali Kewajiban akseptasi Obligasi yang diterbitkan Pinjaman yang diterima Hutang pajak Penyisihan kerugian atas transaksi pada rekening administratif Kewajiban derivatif Kewajiban pajak tangguhan Biaya yang masih harus dibayar dan kewajiban lain-lain: - Pihak yang mempunyai hubungan istimewa - Pihak ketiga Pinjaman subordinasi Modal pinjaman
LIABILITIES AND EQUITY 112,317
114,019
183,940
2y,40c 19
602,337 39,680,378 1,040,445
617,656 39,181,953 420,950
1,196,657 33,701,007 436,013
2h,12 2m,20 2t,21 22 2v,23b
1,000,000 522,884 493,422 1,294,445 252,123
1,000,000 419,309 1,213,564 7,132
1,500,000 180,466 1,481,174 5,224
2k 2i,8 2v,23e
346,432 6,237 76,846
367,030 9,799 -
366,661 3 -
704 1,827,926 3,469,587 155,000
27,760 1,624,731 699,767 155,000
25,860 2,292,861 731,759 155,000
Related parties Third parties Subordinated debts Loan capital
50,881,083
45,858,670
42,256,625
TOTAL LIABILITIES
126,739
1,074
1,909
MINORITY INTERESTS
24 2y,40d 2u,25 26
JUMLAH KEWAJIBAN HAK MINORITAS
41
EKUITAS Modal saham – nilai nominal Rp 50.000 (2003: Rp 50.000; 2002: Rp 10.000) per saham untuk seri A dan Rp 500 (2003: Rp 500; 2002: Rp 100) per saham untuk seri B Modal dasar – 22.400.000 (2003: 22.400.000; 2002: 112.000.000) saham seri A dan 17.760.000.000 (2003: 17.760.000.000; 2002: 88.800.000.000) saham seri B Modal ditempatkan dan disetor penuh 22.400.000 (2003: 22.400.000; 2002: 112.000.000) saham seri A dan 4.884.522.000 (2003: 4.884.522.000; 2002: 24.422.610.000) saham seri B Tambahan modal disetor Modal disetor lainnya Selisih kurs karena penjabaran laporan keuangan Laba yang belum direalisasi atas efek-efek dan Obligasi Pemerintah dalam kelompok tersedia untuk dijual Cadangan umum dan wajib Saldo laba (setelah defisit sebesar Rp 32.968.831 dieliminasi melalui kuasi-reorganisasi tanggal 1 Januari 2001) JUMLAH EKUITAS JUMLAH KEWAJIBAN DAN EKUITAS
LIABILITIES Obligations due immediately Deposits from customers:
17 2q,18
Related parties Third parties Deposits from other banks Securities sold under repurchase agreements Acceptance payables Bonds issued Borrowings Taxes payable Allowance for possible losses on off balance sheet transactions Derivative payables Deferred tax liabilities Accruals and other liabilities:
EQUITY Share capital – par value per share Rp 50,000 (2003: Rp 50,000; 2002 : Rp 10,000) for A series shares and Rp 500 (2003: Rp 500; 2002: Rp 100) for B series shares Authorised – 22,400,000 (2003: 22,400,000; 2002: 112,000,000) A series shares and 17,760,000,000 (2003: 17,760,000,000; 2002: 88,800,000,000) B series shares Issued and fully paid 22,400,000 (2003: 22,400,000 and 2002: 112,000,000) A series shares and 4,884,522,000 (2003: 4,884,522,000; 2002: 24,422,610,000) 3,562,261 B series shares 25,412 Additional paid-up capital 189 Other paid-up capital Difference in foreign currency 2,923 translation
27
3,562,261 62,738 189
3,562,261 25,412 189
2d
2,718
2,886
798,928 24,684
754,586 9,484
-
3,352,425
2,467,381
1,062,027
Unrealised gains of available for sale securities and Government Bonds General and legal reserve Retained earnings (after deficit of Rp 32,968,831 was eliminated through quasi-reorganisation on 1 January 2001)
7,803,943
6,822,199
4,652,812
TOTAL EQUITY
58,811,765
52,681,943
46,911,346
TOTAL LIABILITIES AND EQUITY
2g,12a 29
50
Catatan atas laporan keuangan konsolidasian merupakan bagian tak terpisahkan dari laporan keuangan konsolidasian secara keseluruhan.
The accompanying notes form an integral part of these consolidated financial statements.
LAMPIRAN – 1/3 – SCHEDULE
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY LAPORAN LABA RUGI KONSOLIDASIAN UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah, kecuali laba bersih per saham) Catatan/ Notes
CONSOLIDATED STATEMENTS OF INCOME FOR THE YEARS ENDED 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah, except earnings per share) 2004
2003
2002
PENDAPATAN DAN BEBAN OPERASIONAL Pendapatan bunga Pendapatan provisi dan komisi
Beban bunga Beban provisi dan komisi
INCOME AND EXPENSES FROM OPERATIONS 2l,2r,30 2s
2r,31 2s
Pendapatan bunga bersih
6,394,789 588,404
5,789,427 498,090
6,560,596 322,363
6,983,193
6,287,517
6,882,959
2,376,403 63,316
3,238,492 32,599
4,823,692 40,875
2,439,719
3,271,091
4,864,567
4,543,474
3,016,426
2,018,392
PENDAPATAN OPERASIONAL LAINNYA
Keuntungan penjualan efek- efek dan Obligasi Pemerintah – bersih (Kerugian)/keuntungan transaksi mata uang asing - bersih Imbalan jasa Pendapatan dividen Lain-lain
Net interest income
2g
430,072
795,799
153,503
Gain on sale of marketable securities and Government Bonds - net
2d,2i
(33,847) 280,338 508 -
(12,438) 514,221 3,068 1,285
1,127 419,086 3,239 4,104
Foreign exchange (loss)/gain - net Fees Dividend income Others
1,301,935
581,059
BEBAN OPERASIONAL LAINNYA
PENDAPATAN OPERASIONAL BERSIH
Interest expense Fees and commissions expense
OTHER OPERATING INCOME
677,071
Beban umum dan administrasi Beban tenaga kerja dan tunjangan Penyisihan kerugian atas aktiva produktif Penyisihan kerugian atas transaksi pada rekening administratif Kerugian yang belum terealisasi atas perubahan nilai wajar efek-efek dan Obligasi Pemerintah bersih Lain-lain
Interest income Fees and commissions income
OTHER OPERATING EXPENSES
32 2w, 33 2k,5,6,7,8,9, 10,11,13,16
898,314 1,129,288 (400,882)
861,136 734,256
613,255 503,815
1,323,671
272,425
2k
4,186
2,018
6,659
2g
63,200 32,988
14,494 40,902
147,966 52,796
1,727,094
2,976,477
1,596,916
3,493,451
1,341,884
1,002,535
Catatan atas laporan keuangan konsolidasian merupakan bagian tak terpisahkan dari laporan keuangan konsolidasian secara keseluruhan.
General and administrative expenses Salaries and employee benefits Allowance for possible losses on income earning assets Allowance for possible losses on off balance sheet transactions Unrealised losses from changes in fair value of marketable securities and Government Bonds - net Others
NET OPERATING INCOME
The accompanying notes form an integral part of these consolidated financial statements.
LAMPIRAN – 2/1 – SCHEDULE
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY LAPORAN LABA RUGI KONSOLIDASIAN UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah, kecuali laba bersih per saham) Catatan/ Notes PENDAPATAN DAN BEBAN BUKAN OPERASIONAL Pendapatan bukan operasional Beban bukan operasional
34 35
(BEBAN)/PENDAPATAN BUKAN OPERASIONAL – Bersih LABA SEBELUM PAJAK PENGHASILAN PAJAK PENGHASILAN
2004
2v,23c
219,484 (334,699)
295,821 (65,165)
29,026 (42,277)
(115,215)
230,656
(13,251)
NON-OPERATING (EXPENSES)/INCOME - Net
(894,821)
2,483,415
41
LABA BERSIH
2002
2003
NON-OPERATING INCOME AND EXPENSES Non-operating income Non-operating expenses
3,378,236
LABA SETELAH PAJAK PENGHASILAN HAK MINORITAS ATAS (LABA)/RUGI BERSIH ANAK PERUSAHAAN
CONSOLIDATED STATEMENTS OF INCOME FOR THE YEARS ENDED 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah, except earnings per share)
1,572,540 (43,196)
(41,250)
INCOME BEFORE TAX INCOME TAX
948,034
INCOME AFTER TAX
232
368
MINORITY INTEREST IN NET (INCOME)/LOSS OF SUBSIDIARY
2,408,079
1,529,576
948,402
NET INCOME
311.72
193.28
BASIC EARNINGS PER SHARE
(75,336)
LABA BERSIH PER SAHAM DASAR
2x,38
490.75
LABA BERSIH PER SAHAM DILUSIAN
2x,38
489.49
*) Tidak terdapat laba dilusian per saham pada tahun 2003 dan 2002
Catatan atas laporan keuangan konsolidasian merupakan bagian tak terpisahkan dari laporan keuangan konsolidasian secara keseluruhan.
1,529,344
989,284
-*)
-*)
DILUTED EARNINGS PER SHARE
Diluted earnings per share are not applicable for 2003 and 2002 *)
The accompanying notes form an integral part of these consolidated financial statements.
LAMPIRAN – 2/2 – SCHEDULE
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY LAPORAN PERUBAHAN EKUITAS KONSOLIDASIAN UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
Catatan/ Notes
Saldo pada tanggal 1 Januari 2002
CONSOLIDATED STATEMENTS OF CHANGES IN EQUITY FOR THE YEARS ENDED 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
Tambahan modal disetor/ Additional paid-up capital
Modal saham/ Share capital
Selisih kurs karena penjabaran laporan keuangan/ Difference in foreign currency translation
Modal disetor lainnya/ Other paid-up capital
Laba yang belum direalisasi atas efek-efek dan Obligasi Pemerintah dalam kelompok tersedia untuk dijual/ Unrealised gains of available for sale securities and Government Bonds
Cadangan umum dan wajib/ General and legal reserve
Saldo laba/ Retained earnings
Jumlah ekuitas/ Total equity
3,562,261
25,412
189
2,939
-
-
579,783
4,170,584
Balance as at 1 January 2002
-
-
-
948,402
948,402
Net income for the year
-
Laba bersih tahun berjalan
28
-
-
-
Selisih kurs karena penjabaran laporan keuangan
2d
-
-
-
(16)
-
-
Pembagian dividen tunai
28
-
-
-
-
-
-
3,562,261
25,412
189
2,923
-
-
1,062,027
4,652,812
-
-
-
-
-
-
1,529,576
1,529,576
Net income for the year
-
Allocation to general and legal reserve
Saldo pada tanggal 31 Desember 2002 Laba bersih tahun berjalan
28
(466,158)
Pembentukan cadangan umum dan wajib
29
-
-
-
-
-
9,484
(9,484)
Pembagian tantiem
28
-
-
-
-
-
-
(11,855)
Selisih kurs karena penjabaran laporan keuangan
2d
-
-
-
-
-
Laba yang belum direalisasi atas efek-efek dan Obligasi Pemerintah dalam kelompok tersedia untuk dijual
2g
-
-
Pembagian dividen tunai
28
-
-
3,562,261
25,412
-
(37)
-
754,586
-
-
-
-
2,886
754,586
9,484
-
(102,883)
(16)
Difference in foreign currency translation
(466,158)
Distribution of cash dividend Balance as at 31 December 2002
(11,855)
Distribution of tantiem
(37)
Difference in foreign currency translation
754,586
Unrealised gains of available for sale securities and Government Bonds
(102,883)
Distribution of cash dividend
Saldo pada tanggal 31 Desember 2003 189
Catatan atas laporan keuangan konsolidasian merupakan bagian tak terpisahkan dari laporan keuangan konsolidasian secara keseluruhan. LAMPIRAN – 3/1 – SCHEDULE
2,467,381
6,822,199
Balance as at 31 December 2003
The accompanying notes form an integral part of these consolidated financial statements.
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY LAPORAN PERUBAHAN EKUITAS KONSOLIDASIAN UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
Catatan/ Notes
Saldo pada tanggal 1 Januari 2004 Laba bersih tahun berjalan
CONSOLIDATED STATEMENTS OF CHANGES IN EQUITY FOR THE YEARS ENDED 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
Tambahan modal disetor/ Additional paid-up capital
Modal saham/ Share capital
Modal disetor lainnya/ Other paid-up capital
Selisih kurs karena penjabaran laporan keuangan/ Difference in foreign currency translation
Laba yang belum direalisasi atas efek-efek dan Obligasi Pemerintah dalam kelompok tersedia untuk dijual/ Unrealised gains of available for sale securities and Government Bonds
Cadangan umum dan wajib/ General and legal reserve
Saldo laba/ Retained earnings
Jumlah ekuitas/ Total equity
3,562,261
25,412
189
2,886
754,586
9,484
2,467,381
6,822,199
Balance as at 1 January 2004
-
-
-
-
-
-
2,408,079
2,408,079
Net income for the year
-
Allocation to general and legal reserve
Pembentukan cadangan umum dan wajib
29
-
-
-
-
-
15,200
(15,200)
Pembagian tantiem
28
-
-
-
-
-
-
(19,635)
Selisih kurs karena penjabaran laporan keuangan
2d
-
-
-
-
-
(168)
-
(19,635)
Distribution of tantiem
(168)
Difference in foreign currency translation
Laba yang belum direalisasi atas efek-efek dan Obligasi Pemerintah dalam kelompok tersedia untuk dijual
2g
-
-
-
-
44,342
-
-
44,342
Unrealised gains of available for sale securities and Government Bonds
Beban kompensasi karyawan berbasis saham
2w
-
37,326
-
-
-
-
-
37,326
Compensation cost of employee stock options
Pembagian dividen tunai
28
-
-
-
-
-
-
3,562,261
62,738
189
2,718
798,928
24,684
Saldo pada tanggal 31 Desember 2004
Catatan atas laporan keuangan konsolidasian merupakan bagian tak terpisahkan dari laporan keuangan konsolidasian secara keseluruhan. LAMPIRAN – 3/2 – SCHEDULE
(1,488,200)
(1,488,200)
3,352,425
7,803,943
Distribution of cash dividend Balance as at 31 December 2004
The accompanying notes form an integral part of these consolidated financial statements.
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY LAPORAN ARUS KAS KONSOLIDASIAN UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
Arus kas dari kegiatan operasi: Pendapatan bunga, provisi dan komisi Penerimaan dari transaksi pembiayaan konsumen Pemberian transaksi pembiayaan konsumen baru Bunga, provisi dan komisi yang dibayar Pendapatan operasional lainnya Kerugian selisih kurs - bersih Beban operasional lainnya Pendapatan/(beban) bukan operasional - bersih Laba sebelum perubahan dalam aktiva dan kewajiban Perubahan dalam aktiva dan kewajiban: - Penurunan/(kenaikan) aktiva: - Penempatan pada bank lain - Efek-efek - Efek yang dibeli dengan janji dijual kembali - Pinjaman yang diberikan - Tagihan akseptasi - Pajak dibayar dimuka - Biaya dibayar di muka dan aktiva lain-lain - Kenaikan/(penurunan) kewajiban - Kewajiban segera - Simpanan nasabah: - Giro - Tabungan - Deposito berjangka - Simpanan dari bank lain - Kewajiban akseptasi - Hutang pajak - Biaya yang masih harus dibayar dan kewajiban lain-lain - Laba yang belum direalisasi atas efek-efek dan Obligasi Pemerintah dalam kelompok tersedia untuk dijual - Pajak penghasilan yang dibayar selama tahun berjalan - Selisih kurs karena penjabaran laporan keuangan Kas bersih (digunakan untuk) / diperoleh dari kegiatan operasi
CONSOLIDATED STATEMENTS OF CASH FLOWS FOR THE YEARS ENDED 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
2004
2003
2002
5,967,144
6,255,422
7,594,524
4,492,096
-
-
(6,129,318)
-
-
(3,113,556) 747,205 143,798 (2,225,436)
(3,362,708) 492,645 21,486 (1,212,661) 1,875
98,017
(20,050)
2,196,059
(4,980,518) 419,965 1,101 (1,190,784)
Cash flows from operating activities: Interest income, fees and commissions Receipts from consumer financing transactions Payments for new consumer financing transactions Payments of interest, fees and commissions Other operating income Foreign exchange loss - net Other operating expenses
(21,130)
Non-operating income/(expenses) - net
1,823,158
1,346,546 932,512
(596,328) 2,262,798
1,159,672 (1,940,385)
(20,450) (9,007,181) (103,575) 3,727
(2,577,104) (238,843) 3,732
14,946 (7,641,590) (17,758) (643)
(470,565)
181,682
(379,235)
(1,702)
(69,921)
(51,048)
260,194 (375,892) 620,431 619,495 103,575 171,757
373,771 1,440,943 3,385,700 (15,064) 238,843 1,908
390,634 3,176,073 (8,468,095) 265,149 18,864 (9,699)
(10,461)
(114,403)
(1,021,310)
(798,928)
754,586
-
(714,299)
-
-
(37)
(168)
(7,465,034)
7,228,322
Catatan atas laporan keuangan konsolidasian merupakan bagian tak terpisahkan dari laporan keuangan konsolidasian secara keseluruhan.
16
(12,681,251)
Income before changes in assets and liabilities Changes in assets and liabilities: Decrease/(increase) in assets: Placements with other banks Marketable securities Securities purchased under resale agreements Loans Acceptance receivables Prepaid taxes Prepayments and other assets Increase/(decrease) in liabilities: Obligations due immediately Deposits from customers: Current accounts Savings Time deposits Deposits from other banks Acceptance payables Taxes payable Accruals and other liabilities
Unrealised gains of avalaible for sale securities and Government Bonds Income tax paid during the year Difference in foreign currency translation Net cash (used in)/provided from operating activities
The accompanying notes form an integral part of these consolidated financial statements.
LAMPIRAN – 4/1 – SCHEDULE
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY LAPORAN ARUS KAS KONSOLIDASIAN UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
CONSOLIDATED STATEMENTS OF CASH FLOWS FOR THE YEARS ENDED 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
2004
2003
Arus kas dari kegiatan investasi: Pembelian Obligasi Pemerintah (13,288,446) Penjualan Obligasi Pemerintah 17,980,946 Pembelian aktiva tetap (373,479) Hasil penjualan aktiva tetap 130,847 Hasil penjualan efek-efek 17,200 Akuisisi Anak Perusahaan dan/atau penurunan penyertaan di Anak Perusahaan (850,000) Hasil penjualan saham Anak Perusahaan dan perusahaan asosiasi 1,350 Penerimaan dividen 8,008 Kas bersih diperoleh dari/(digunakan untuk) kegiatan investasi Arus kas dari kegiatan pendanaan: Penurunan pinjaman yang diterima Penerimaan pinjaman dalam rangka pembiayaan bersama Pembayaran pinjaman dalam rangka pembiayaan bersama (Penurunan)/kenaikan efek yang dijual dengan janji dibeli kembali Pembagian dividen Pembagian tantiem Kenaikan/(penurunan) pinjaman subordinasi Kas bersih diperoleh dari/ (digunakan untuk) kegiatan pendanaan Kenaikan/(penurunan) bersih kas dan setara kas Kas dan setara kas pada awal tahun Saldo kas dan setara kas Anak Perusahaan pada tanggal akuisisi
2002
(17,635,175) 12,047,768 (154,274) 96,988 -
(2,587,250) 14,690,583 (356,798) 5,523 -
Cash flows from investing activities: Acquisition of Government Bonds Sale of Government Bonds Acquisition of fixed assets Proceeds from sale of fixed assets Proceeds from sale of marketable securities
3,306
12,763
12,728 3,068
3,239
Acquisition of the Subsidiary and/or decrease in investment in Subsidiaries Proceeds from sale of shares in Subsidiary and associated companies Dividend income Net cash provided from/(used in) investing activities
3,626,426
(5,625,591)
11,768,060
(221,682)
(267,610)
(921,318)
(1,611,200) (19,635)
(500,000) (102,883) (11,855)
1,029,167 (466,158) -
Cash flows from financing activities: Decrease in borrowings Proceeds from borrowings in relation to joint financing Repayments of borrowings in relation to joint financing (Decrease)/increase in securities sold under repurchase agreements Distribution of cash dividend Distribution of tantiem
2,559,380
(31,992)
(6,992)
Increase/(decrease) in subordinated debts
3,969,875
(914,340)
(365,301)
Net cash provided from/(used in) financing activities
(1,278,492)
Net increase/(decrease) in cash and cash equivalents
4,420,699
Cash and cash equivalents at the beginning of the year
13,592,754
-
-
(10,329,742)
-
-
131,267
688,391
3,830,598
3,142,207
99,044
-
-
Cash and cash equivalents of the Subsidiary at the acquisition date
Kas dan setara kas pada akhir tahun
4,060,909
3,830,598
3,142,207
Cash and cash equivalents at the end of the year
Kas dan setara kas terdiri dari: Kas Giro pada Bank Indonesia Giro pada bank lain
753,256 2,662,100 645,553
1,011,873 2,152,945 665,780
1,052,192 1,747,820 342,195
Cash and cash equivalents consist of: Cash Current accounts with Bank Indonesia Current accounts with other banks
Jumlah kas dan setara kas
4,060,909
3,830,598
3,142,207
Total cash and cash equivalents
Catatan atas laporan keuangan konsolidasian merupakan bagian tak terpisahkan dari laporan keuangan konsolidasian secara keseluruhan.
The accompanying notes form an integral part of these consolidated financial statements.
LAMPIRAN – 4/2 – SCHEDULE
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY LAPORAN ARUS KAS KONSOLIDASIAN UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
CONSOLIDATED STATEMENTS OF CASH FLOWS FOR THE YEARS ENDED 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
2004
2003
2002
Informasi tambahan arus kas: Aktivitas yang tidak mempengaruhi arus kas: Pembayaran dengan Obligasi Pemerintah: - Kewajiban kepada PPA (dahulu BPPN) - Penempatan oleh bank lain - Pinjaman yang dibeli dari BPPN
Penambahan aktiva tetap melalui reklasifikasi dari akun “uang muka pembelian pinjaman sindikasi”
Supplemental cash flow information: Activities not affecting cash flows:
-
457,148 365,027
551,353 141,000 114,060
-
822,175
806,413
486,746
-
Catatan atas laporan keuangan konsolidasian merupakan bagian tak terpisahkan dari laporan keuangan konsolidasian secara keseluruhan.
Settlement through Government Bonds: Liabilities to PPA (formerly IBRA) Placement by other banks Loans purchased from IBRA -
-
Addition of fixed assets through reclassification from account “advance for syndicated loan purchased”
The accompanying notes form an integral part of these consolidated financial statements.
LAMPIRAN – 4/3 – SCHEDULE
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
1.
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
UMUM a.
1.
Pendirian dan informasi umum Bank
GENERAL a.
Establishment and general information of the Bank
PT Bank Danamon Indonesia Tbk (“Bank”), berkedudukan di Jakarta, didirikan pada tanggal 16 Juli 1956 berdasarkan akta notaris Meester Raden Soedja, S.H. No. 134. Akta pendirian ini disahkan oleh Menteri Kehakiman Republik Indonesia dengan Surat Keputusan No. J.A.5/40/8 tanggal 24 April 1957 dan telah diumumkan dalam Tambahan Berita Negara No. 664, Berita Negara Republik Indonesia No. 46 tanggal 7 Juni 1957.
PT Bank Danamon Indonesia Tbk (the “Bank”), domiciled in Jakarta, was established on 16 July 1956 based on a notarial deed No. 134 of Meester Raden Soedja, S.H. The deed of establishment was approved by the Ministry of Justice of Republic of Indonesia in its decision letter No. J.A.5/40/8 dated 24 April 1957 and was published in Supplement No. 664 of the State Gazette No. 46 dated 7 June 1957.
Bank memperoleh izin usaha sebagai bank umum dan bank devisa masing-masing berdasarkan surat keputusan Menteri Keuangan No. 161259/U.M.II tanggal 30 September 1958 dan surat keputusan Direksi Bank Indonesia No. 21/10/Dir/UPPS tanggal 5 Nopember 1988.
The Bank has obtained a license as a commercial bank and a foreign exchange bank based on the decision letter No. 161259/U.M.II of the Ministry of Finance dated 30 September 1958 and the decision letter No. 21/10/Dir/UPPS of the Directors of Bank Indonesia dated 5 November 1988, respectively.
Anggaran Dasar Bank telah mengalami beberapa kali perubahan, terakhir dengan akta notaris No. 52 tanggal 27 Mei 2004 dibuat dihadapan Hendra Karyadi, S.H. di Jakarta sehubungan dengan perubahan komposisi pemegang saham Bank. Perubahan ini telah disahkan oleh Menteri Kehakiman dan Hak Asasi Manusia dengan surat keputusan No. C-14556 HT.01.04.TH.2004 tanggal 11 Juni 2004 dan telah diumumkan dalam Tambahan Berita Negara No. 531, Berita Negara Republik Indonesia No. 53 tanggal 2 Juli 2004.
The Bank’s Articles of Association have been amended several times, the latest by notarial deed No. 52 dated 27 May 2004 of Hendra Karyadi S.H. in Jakarta in connection with the change in composition of the Bank’s shareholders. This amendment was approved by Ministry of Justice and Human Rights in its decision letter No. C-14556 HT.01.04.TH.2004 dated 11 June 2004 and was published in Supplement No. 531 of the State Gazette No. 53 dated 2 July 2004.
Sesuai dengan pasal 3 Anggaran Dasar Bank, ruang lingkup kegiatan Bank adalah menjalankan kegiatan usaha di bidang perbankan sesuai dengan undang-undang dan peraturan yang berlaku, dan melakukan kegiatan perbankan lainnya berdasarkan prinsip Syariah. Bank mulai melakukan kegiatan berdasarkan prinsip Syariah tersebut sejak tahun 2002.
According to Article 3 of the Bank’s Articles of Association, its scope of activities are to engage in general banking services in accordance with the prevailing laws and regulations, and to engage in other banking activities based on Syariah principles. The Bank started its activities based on the Syariah principles in 2002.
Sejak Maret 2004, Bank mulai melakukan kegiatan micro banking dengan nama ”Danamon Simpan Pinjam”.
Since March 2004, the Bank has started to engage in micro banking activities under the brand of “Danamon Simpan Pinjam”.
Kantor pusat Bank berlokasi di Jalan Prof. Dr. Satrio Kav. E4 No. 6 Mega Kuningan, Jakarta. Pada tanggal 31 Desember 2004, Bank mempunyai cabang-cabang dan kantor-kantor pembantu sebagai berikut:
The Bank’s head office is located in Jakarta at Jalan Prof. Dr. Satrio Kav. E4 No. 6 Mega Kuningan, Jakarta. As at 31 December 2004, the Bank has the following branches and representative offices:
LAMPIRAN – 5/1 – SCHEDULE
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
1.
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
UMUM (lanjutan) a.
1. GENERAL (continued)
Pendirian dan informasi umum Bank (lanjutan)
Kantor cabang domestik Kantor cabang pembantu domestik Kantor kas domestik Kantor cabang pembantu Danamon Simpan Pinjam Kantor Syariah Kantor cabang luar negeri (Kepulauan Cayman )
a.
Jumlah/Total 145 300 26
Domestic branches Domestic supporting branches Domestic cash offices Supporting branches Danamon Simpan Pinjam Syariah branches Overseas branch (Cayman Islands)
264 10 1
Seluruh kantor cabang, kantor cabang pembantu, kantor kas, dan kantor syariah berlokasi di berbagai pusat bisnis yang tersebar di seluruh Indonesia. b.
Establishment and general information of the Bank (continued)
Penawaran umum saham Bank
The branches, supporting branches, cash offices, and syariah offices are located in various major business centers throughout Indonesia.
b.
Public offering of the Bank’s shares
Pada tanggal 8 Desember 1989, Bank melakukan Penawaran Umum Perdana atas 12.000.000 saham (nilai penuh) dengan nilai nominal Rp 1.000 per saham (nilai penuh). Seluruh saham ini telah dicatatkan di Bursa Efek Jakarta pada tanggal 8 Desember 1989.
On 8 December 1989, the Bank undertook an Initial Public Offering (IPO) of 12,000,000 shares (full amount) with a par value of Rp 1,000 per share (full amount). These shares were listed on the Jakarta Stock Exchange on 8 December 1989.
Setelah itu Bank melakukan penambahan jumlah saham-saham terdaftar melalui saham bonus dan Penawaran Umum Terbatas dengan Hak Memesan Efek Terlebih Dahulu (Right Issues) I, II dan III.
Subsequently the Bank increased its listed shares through bonus shares, and Limited Public Offerings (Right Issues) I, II and III.
Berikut adalah kronologis pencatatan saham Bank pada bursa efek di Indonesia sejak Penawaran Umum Perdana:
Following is the chronological overview of the Bank’s issued shares on the Indonesian Stock Exchanges since the Initial Public Offering:
Saham Seri A/ A Series Shares Saham yang berasal dari Penawaran Umum Perdana pada tahun 1989 Saham pendiri Saham bonus yang berasal dari kapitalisasi tambahan modal disetor-agio saham pada tahun 1992 Saham yang berasal dari Penawaran Umum Terbatas dengan Hak Memesan Efek Terlebih Dahulu (Rights Issue) I pada tahun 1993 Saham bonus yang berasal dari kapitalisasi tambahan modal disetor-agio saham pada tahun 1995
12,000,000 22,400,000 34,400,000
224,000,000 112,000,000
LAMPIRAN – 5/2 – SCHEDULE
Shares from Initial Public Offering in 1989 Founders’ shares Bonus shares from capitalisation of additional paid-in capital – capital paid-in excess of par value in 1992 Shares from Limited Public Offering (Rights Issue) I in 1993 Bonus shares from capitalisation of additional paid-in capital – capital paid-in excess of par value in 1995
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
1.
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
UMUM (lanjutan) b.
1. GENERAL (continued)
Penawaran umum saham Bank (lanjutan)
b.
Public offering (continued)
of
the
Bank’s
shares
Saham Seri A/ A Series Shares Saham yang berasal dari Penawaran Umum Terbatas dengan Hak Memesan Efek Terlebih Dahulu (Rights Issue) II pada tahun 1996 Saham pendiri pada tahun 1996 Saham yang berasal dari perubahan nilai nominal saham pada tahun 1997 Peningkatan nilai nominal saham menjadi Rp 10.000 per saham melalui pengurangan jumlah saham (reverse stock split) di tahun 2001
560,000,000 155,200,000 1,120,000,000 2,240,000,000 : 20 112,000,000
Peningkatan nilai nominal saham menjadi Rp 50.000 per saham melalui pengurangan jumlah saham (reverse stock split) di tahun 2003 Jumlah saham Seri A pada tanggal 31 Desember 2004
:5
22,400,000 22,400,000
Shares from Limited Public Offering (Rights Issue) II in 1996 Founders’ shares in 1996 Shares resulting from stock split in 1997 Increase in par value per share to Rp 10,000 per share through reduction in total number of shares (reverse stock split) in 2001 Increase in par value per share to Rp 50,000 per share through reduction in total number of shares (reverse stock split) in 2003 Total A series shares on 31 December 2004
Saham Seri B/ B Series Shares Saham yang berasal dari Penawaran Umum Terbatas dengan Hak Memesan Efek Terlebih Dahulu (Rights Issue) III pada tahun 1999 Saham yang diterbitkan dalam rangka penggabungan usaha dengan PDFCI pada tahun 1999 Saham yang diterbitkan dalam rangka penggabungan usaha dengan Bank Tiara pada tahun 2000 Saham yang diterbitkan dalam rangka penggabungan usaha dengan 8 BTO* (Taken-Over Banks) lainnya pada tahun 2000 Peningkatan nilai nominal saham menjadi Rp 100 per saham melalui pengurangan jumlah saham (reverse stock split) di tahun 2001 Peningkatan nilai nominal saham menjadi Rp 500 per saham melalui pengurangan jumlah saham (reverse stock split) di tahun 2003 Jumlah saham seri B pada tanggal 31 Desember 2004
215,040,000,000
45,375,000,000
35,557,200,000
192,480,000,000 488,452,200,000 : 20
24,422,610,000 :5
4,884,522,000 4,884,522,000
* 8 BTO terdiri dari PT Bank Duta Tbk, PT Bank Rama Tbk, PT Bank Tamara Tbk, PT Bank Tiara Asia Tbk, PT Bank Nusa Nasional Tbk, PT Bank Pos Nusantara, PT Jayabank International dan PT Bank Risjad Salim Internasional.
Shares from Limited Public Offering (Rights Issue) III in 1999 Shares issued in connection with the Bank’s merger with the former PDFCI in 1999 Shares issued in connection with the Bank’s merger with Bank Tiara in 2000 Shares issued in connection with the Bank’s merger with 8 Taken-Over Banks (BTOs*) in 2000 Increase in par value per share to Rp 100 per share through reduction in total number of shares (reverse stock split) in 2001 Increase in par value per share to Rp 500 per share through reduction in total number of shares (reverse stock split) in 2003 Total B series shares on 31 December 2004
* 8 BTOs consist of PT Bank Duta Tbk, PT Bank Rama Tbk, PT Bank Tamara Tbk, PT Bank Tiara Asia Tbk, PT Bank Nusa Nasional Tbk, PT Bank Pos Nusantara, PT Jayabank International and PT Bank Risjad Salim Internasional.
LAMPIRAN – 5/3 – SCHEDULE
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
1.
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
UMUM (lanjutan) c.
1. GENERAL (continued)
Anak Perusahaan
c.
Subsidiary
Bank mempunyai kepemilikan langsung pada Anak Perusahaan berikut:
The Bank has a direct ownership in the following Subsidiary: Tahun beroperasi komersial/ Year commercial operations commenced
Persentase kepemilikan/ Percentage of ownership Nama perusahaan/ Company’s name
Kegiatan usaha/ Business activity
Domisili/ Domicile
2004
2003
2002
Jumlah Aktiva/ Total Assets
2004
2003
2002
PT Raya Saham Registra (dahulu/formerly PT Risjad
Administrasi Efek/
Salim Registra)
Shares Administration
PT Adira Dinamika Multi Finance
Indonesia
-
90 %
90%
1991
-
11,585
19,283
Indonesia
75 %
-
-
1990
1,588,977
-
-
Perusahaan Pembiayaan/ Financing Company
Pada tanggal 26 Januari 2004, Bank telah menandatangani Perjanjian Jual Beli Bersyarat (“PJBB”) untuk mengakuisisi 75% dari jumlah saham yang dikeluarkan PT Adira Dinamika Multi Finance (“ADMF”) dengan harga perolehan Rp 850.000. Akuisisi ini diselesaikan tanggal 7 April 2004. Sesuai dengan PJBB ini, Bank berhak atas 75% dari laba bersih ADMF sejak tanggal 1 Januari 2004.
On 26 January 2004, the Bank signed a Conditional Sale and Purchase Agreement (”CSPA”) to acquire 75% of the issued shares of PT Adira Dinamika Multi Finance (”ADMF”) with a purchase price of Rp 850,000. The closing date of this acquisition was on 7 April 2004. Based on the CSPA, the Bank is entitled to 75% of ADMF’s net income starting from 1 January 2004.
Rincian aktiva bersih yang diakuisisi dan goodwill adalah sebagai berikut:
Details of net assets acquired and goodwill are as follows:
Jumlah aktiva Jumlah kewajiban Aktiva bersih Penyesuaian atas nilai wajar aktiva bersih karena pembayaran deviden
1,572,026 (1,241,411) 330,615 (125,000)
Total assets Total liabilities Net assets Adjustment to fair value of net assets due to dividend distribution
Nilai wajar aktiva bersih (100%)
205,615
Fair value of net assets (100%)
Harga perolehan Nilai wajar aktiva bersih yang diakuisisi (75%)
850,000
Purchase price
Goodwill
(154,211) 695,789
Goodwill diamortisasi selama 8 tahun.
Fair value of net assets acquired (75%) Goodwill
Goodwill is being amortised over 8 years.
LAMPIRAN – 5/4 – SCHEDULE
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah) 1.
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
UMUM (lanjutan) c.
d.
1. GENERAL (continued)
Anak Perusahaan (lanjutan)
c.
Subsidiary (continued)
Berdasarkan PJBB, Bank juga berhak atas semua manfaat ekonomi dari perusahaan terafiliasi ADMF, PT Asuransi Adira Dinamika, PT ITC (Itochu) Adira Multi Finance dan PT Adira Quantum Multifinance. Namun demikian belum dilakukan konsolidasi atas perusahaan terafiliasi karena kepemilikan atas perusahaan terafiliasi pada tanggal laporan keuangan konsolidasian ini belum dialihkan ke Bank.
Based on the CSPA, the Bank is also entitled to the economic benefits of the affiliated companies of ADMF, PT Asuransi Adira Dinamika, PT ITC (Itochu) Adira Multi Finance and PT Adira Quantum Multifinance. However, these affiliated companies are not consolidated as the legal ownership of these companies at the date of these consolidated financial statements has not yet been transferred to the Bank.
Pada tanggal 26 Januari 2004, Bank juga telah menandatangani Perjanjian Call Option, yang terakhir diubah dengan “Amended and Restated Call Option Agreement” tertanggal 25 Nopember 2004, yang memberi hak kepada Bank untuk membeli sampai dengan 25%, dan minimum 20%, dari total saham yang dikeluarkan oleh PT ADMF pada harga tertentu yang telah disetujui. Call option ini diterbitkan pada tanggal 8 April 2004 dan akan jatuh tempo dalam waktu 30 bulan setelah tanggal penerbitan. Pada tanggal penerbitan call option, Bank membayar premium sebesar Rp 186.875 atas call option ini dan dicatat sebagai aktiva lainlain (lihat Catatan 16). Jika dan pada saat Bank akan melaksanakan opsinya, maka Bank akan mentaati peraturan yang berlaku pada saat itu.
On 26 January 2004, the Bank also signed a Call Option Agreement, latest amended by the Amended and Restated Call Option Agreement dated 25 November 2004, which gives the Bank the right to purchase up to 25%, and a minimum 20%, of the remaining total issued shares of PT ADMF at a pre-determined strike price. This call option was issued on 8 April 2004 and will expire within 30 months after the issuance date. On the issuance date, the Bank paid a premium of Rp 186,875 for this call option and recognised this as other assets (see Note 16). If and when the Bank exercise its option, the Bank will comply with the existing regulation.
Sampai dengan tanggal laporan keuangan ini, persetujuan formal Bank Indonesia atas transaksi penyertaan di ADMF belum diperoleh. Dewan Direksi memperkirakan persetujuan formal dari Bank Indonesia akan diperoleh di tahun 2005
At the date of these financial statements, the formal approval from Bank Indonesia in relation to the investment in ADMF has not yet been obtained. Board of Directors expect the formal approval from Bank Indonesia to be obtained in 2005.
Kepemilikan Bank atas PT Raya Saham Registra telah dijual pada bulan Desember 2004 dan keuntungan atas transaksi ini dibukukan sebagai pendapatan bukan operasional.
The Bank’s ownership of PT Raya Saham Registra has been sold in December 2004 and the gain resulting from this transaction is recorded as non operating income.
Dewan Komisaris dan Direksi
d.
Pada tanggal 31 Desember 2004, susunan Dewan Komisaris dan Direksi Bank adalah sebagai berikut: Komisaris Utama Wakil Komisaris Utama Komisaris Komisaris Komisaris Komisaris Komisaris Komisaris Komisaris Komisaris
Board of Commissioners and Directors As at 31 December 2004, members of the Bank’s Board of Commissioners and the Board of Directors are as follows:
Bpk./Mr. Sim Kee Boon Bpk./Mr. I Nyoman Sender Ibu/Ms. Sri Adiningsih Bpk./Mr. Sumarno Surono Bpk./Mr. Milan Robert Shuster Bpk./Mr. Edwin Gerungan Bpk./Mr. Harry Arief Soepardi Sukadis Bpk./Mr. Gan Chee Yen Bpk./Mr. Ng Kee Choe Bpk./Mr. Liew Cheng San Victor LAMPIRAN – 5/5 – SCHEDULE
President Commissioner Vice President Commissioner Commissioner Commissioner Commissioner Commissioner Commissioner Commissioner Commissioner Commissioner
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
1.
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
UMUM (lanjutan) d.
1. GENERAL (continued)
Dewan Komisaris dan Direksi (lanjutan)
Direktur Utama Wakil Direktur Utama Direktur Direktur Direktur Direktur Direktur
d.
Board of (continued)
Bpk./Mr. Francis Andrew Rozario Bpk./Mr.Emirsyah Satar Bpk./Mr. Muliadi Rahardja Bpk./Mr. Gatot Mudiantoro Suwondo Ibu/Ms. Anika Faisal Bpk./Mr. Jerry Ng Bpk./Mr. Tejpal Singh Hora
Pada tanggal 31 Desember 2004, Bank dan Anak Perusahaan mempunyai 26.185 karyawan (2003: 13.225 karyawan; 2002: 13.156 karyawan).
2. IKHTISAR KEBIJAKAN PENTING AKUNTANSI
Commissioners
and
Directors
President Director Vice President Director Director Director Director Director Director
As at 31 December 2004, the Bank and the Subsidiary have 26,185 employees (2003: 13,225 employees; 2002: 13,156 employees).
2. SUMMARY POLICIES
OF
SIGNIFICANT
ACCOUNTING
Laporan keuangan konsolidasian Bank dan Anak Perusahaan disusun oleh Dewan Direksi dan diselesaikan pada tanggal 4 Pebruari 2005.
The consolidated financial statements of the Bank and Subsidiary were prepared by the Board of Directors and completed on 4 February 2005.
Berikut ini adalah kebijakan penting akuntansi yang diterapkan dalam penyusunan laporan keuangan konsolidasian Bank dan Anak Perusahaan sesuai dengan prinsip akuntansi yang berlaku umum di Indonesia dan Peraturan No. VIII.G.7 tentang “Pedoman Penyajian Laporan Keuangan” yang terdapat dalam Lampiran Keputusan Ketua Bapepam No. KEP-06/PM/2000 tanggal 13 Maret 2000.
Presented below are the significant accounting policies adopted in preparing the consolidated financial statements of the Bank and Subsidiary, which are in conformity with accounting principles generally accepted in Indonesia and Regulation No. VIII.G.7 regarding “Financial Statements Presentation Guidelines” included in the Appendix of the Decree of the Chairman of the Capital Market Supervisory Board No. KEP-06/PM/2000 dated 13 March 2000.
a.
a.
Dasar penyusunan konsolidasian
laporan
keuangan
Basis of preparation of the consolidated financial statements
Laporan keuangan konsolidasian disusun berdasarkan harga perolehan dan konsep akrual, kecuali dinyatakan secara khusus.
The consolidated financial statements have been prepared on the basis of historical costs and the accrual concept, unless otherwise stated.
Laporan arus kas konsolidasian disusun dengan menggunakan metode langsung dengan mengelompokkan arus kas ke dalam kegiatan operasi, investasi dan pendanaan. Untuk tujuan laporan arus kas konsolidasian, kas dan setara kas mencakup kas, giro pada Bank Indonesia dan giro pada bank lain.
The consolidated statements of cash flows are prepared based on the direct method by classifying cash flows on the basis of operating, investing and financing activities. For the purpose of the consolidated statements of cash flows, cash and cash equivalents include cash, current accounts with Bank Indonesia and current accounts with other banks.
Seluruh angka dalam laporan keuangan konsolidasian ini, kecuali dinyatakan secara khusus, dibulatkan menjadi jutaan Rupiah yang terdekat.
Figures in the consolidated financial statements are rounded to and stated in millions of Rupiah unless otherwise stated.
LAMPIRAN – 5/6 – SCHEDULE
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
2. IKHTISAR (lanjutan) b.
c.
KEBIJAKAN
PENTING
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
AKUNTANSI
Prinsip-prinsip konsolidasi
2. SUMMARY OF SIGNIFICANT POLICIES (continued) b.
Principles of consolidation
Laporan keuangan konsolidasian meliputi laporan keuangan Bank dan Anak Perusahaan dimana Bank memiliki penyertaan saham dengan hak suara lebih dari 50%.
The consolidated financial statements include the financial statements of the Bank and its Subsidiary in which the Bank directly has ownership of more than 50% of the voting rights.
Pengaruh signifikan dari seluruh transaksi dan saldo antara perusahaan-perusahaan yang dikonsolidasikan telah dieliminasi dalam penyajian laporan keuangan konsolidasian.
The significant effects of all transactions and balances between the consolidated companies have been eliminated in preparing the consolidated financial statements.
Kebijakan penting akuntansi yang dipakai dalam penyajian laporan keuangan konsolidasian telah diterapkan secara konsisten oleh Bank dan Anak Perusahaan, kecuali dinyatakan secara khusus.
The significant accounting policies adopted in preparing the consolidated financial statements have been consistently applied by the Bank and Subsidiary unless otherwise stated.
Hak minoritas atas hasil usaha dan ekuitas Anak Perusahaan disajikan terpisah pada laporan laba rugi dan neraca konsolidasian.
Minority interests in the results and equity of the Subsidiary are shown separately in the consolidated statements of income and balance sheet, respectively.
Bila pengendalian atas suatu entitas diperoleh dalam tahun berjalan, hasil usaha entitas tersebut dimasukkan dalam laporan laba rugi konsolidasian sejak tanggal pengendalian dimulai. Bila pengendalian berakhir dalam tahun berjalan, hasil usaha entitas tersebut dimasukkan ke dalam laporan keuangan konsolidasian untuk periode dimana pengendalian masih berlangsung.
Where control of an entity is obtained during a financial year, its results are included in the consolidated statement of income from the date on which control commences. When control ceases during a financial year, its results are included in the consolidated financial statements for the part of the year during which control existed. c.
Goodwill
Penjabaran mata uang asing
d.
Transaksi dalam mata uang asing dijabarkan ke mata uang Rupiah dengan menggunakan kurs yang berlaku pada tanggal transaksi. Pada tanggal neraca, aktiva dan kewajiban moneter dalam mata uang asing dijabarkan dengan kurs pada tanggal neraca.
Goodwill Goodwill represents the excess of the acquisition cost over the Bank’s share of fair value of the acquired subsidiaries’ net assets at the date of the acquisition. Goodwill is amortised using the straight line method over a period of 8 years on the basis that the estimated economic benefits of the goodwill are 8 years.
Goodwill merupakan selisih lebih antara harga perolehan investasi dan bagian Bank atas nilai wajar bersih Anak Perusahaan yang diakuisisi pada tanggal akuisisi. Goodwill diamortisasi di laporan keuangan dengan metode garis lurus selama 8 tahun dengan pertimbangan bahwa estimasi manfaat ekonomis atas goodwill tersebut adalah 8 tahun. d.
ACCOUNTING
Foreign currency translation Transactions denominated in foreign currencies are converted into Rupiah at the exchange rates prevailing at the date of the transaction. At balance sheet date, monetary assets and liabilities in foreign currencies are translated into Rupiah at the exchange rates prevailing at balance sheet date.
LAMPIRAN – 5/7 – SCHEDULE
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
2. IKHTISAR (lanjutan) d.
KEBIJAKAN
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
PENTING
AKUNTANSI
Penjabaran mata uang asing (lanjutan)
d.
Foreign currency translation (continued) Exchange gains and losses arising on transactions in foreign currencies and on the translation of foreign currency monetary assets and liabilities are recognised in the consolidated statement of income.
Laporan keuangan kantor cabang luar negeri dijabarkan dalam Rupiah, dengan kurs sebagai berikut:
The financial statements of the overseas branch are translated into Rupiah, using the following exchange rates:
Aktiva dan kewajiban serta komitmen dan kontijensi - menggunakan kurs pada tanggal neraca.
Assets and liabilities, commitments and contingencies - at the exchange rates prevailing at the balance sheet date.
Pendapatan, beban, laba rugi - menggunakan kurs rata-rata yang berlaku pada tanggal transaksi.
Revenues, expenses, gains and losses - at the average exchange rate at date of the transaction.
Selisih yang timbul dari proses penjabaran laporan keuangan tersebut disajikan pada bagian ekuitas sebagai “selisih kurs karena penjabaran laporan keuangan”.
The resulting translation adjustment is presented in the equity section as “difference in foreign currency translation”.
Berikut ini adalah kurs mata uang asing yang digunakan untuk penjabaran pada tanggal 31 Desember 2004, 2003 dan 2002 yang menggunakan kurs tengah berdasarkan Reuters (pukul 16:00 Waktu Indonesia Barat):
Below are the exchange rates used for translation at 31 December 2004, 2003 and 2002 using the middle rate based on Reuters (at 16:00 hours Western Indonesian Time):
-
Dolar Amerika Serikat Dolar Australia Dolar Singapura Euro Yen
2003
9,285 7,219 5,699 12,703 90
2002
8,425 6,327 4,954 10,629 79
Giro pada bank lain
8,950 5,068 5,154 9,367 75
e.
Giro pada bank lain dinyatakan sebesar saldo giro dikurangi dengan penyisihan kerugian.
f.
ACCOUNTING
Keuntungan dan kerugian selisih kurs yang timbul dari transaksi dalam mata uang asing dan penjabaran aktiva dan kewajiban moneter dalam mata uang asing, diakui pada laporan laba rugi konsolidasian.
2004
e.
2. SUMMARY OF SIGNIFICANT POLICIES (continued)
Penempatan pada bank lain
-
Current accounts with other banks Current accounts with other banks are stated at the outstanding balances less allowance for possible losses.
f.
Penempatan pada bank lain dinyatakan sebesar saldo penempatan dikurangi penyisihan kerugian.
US Dollars Australian Dollars Singapore Dollars Euro Yen
Placements with other banks Placements with other banks are stated at the outstanding balances less allowance for possible losses.
LAMPIRAN – 5/8 – SCHEDULE
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
2. IKHTISAR (lanjutan) g.
KEBIJAKAN
PENTING
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
AKUNTANSI
Efek-efek dan Obligasi Pemerintah
2. SUMMARY OF SIGNIFICANT POLICIES (continued) g.
ACCOUNTING
Marketable securities and Government Bonds
Efek-efek terdiri dari Sertifikat Bank Indonesia (SBI), investasi dalam unit penyertaan reksa dana, wesel ekspor, pinjaman exchange offer, efek hutang lainnya dan obligasi korporasi yang diperdagangkan di bursa efek.
Marketable securities consist of Bank Indonesia Certificates (SBI), investments in mutual fund units, export bills, exchange offer loans, other debt securities and corporate bonds traded on the stock exchange.
Efek-efek dan Obligasi Pemerintah diklasifikasikan ke dalam kelompok untuk diperdagangkan, dimiliki hingga jatuh tempo atau tersedia untuk dijual.
Marketable securities and Government Bonds are classified as either trading, held to maturity or available for sale.
Efek-efek dan Obligasi Pemerintah yang diklasifikasikan ke dalam kelompok untuk diperdagangkan dinyatakan berdasarkan nilai wajar. Keuntungan atau kerugian yang belum direalisasi akibat perubahan nilai wajar dilaporkan dalam laporan laba rugi konsolidasian.
Marketable securities and Government Bonds classified as trading are stated at fair value. Unrealised gains or losses from changes in fair value are credited or charged to the consolidated statement of income.
Efek-efek dan Obligasi Pemerintah yang diklasifikasikan ke dalam kelompok dimiliki hingga jatuh tempo dinyatakan berdasarkan biaya perolehan setelah ditambah atau dikurangi dengan saldo premi atau diskonto yang belum diamortisasi, dan disajikan bersih setelah dikurangi penyisihan kerugian. Amortisasi premi atau diskonto dilakukan berdasarkan metode garis lurus sejak tanggal pembelian sampai dengan tanggal jatuh tempo.
Marketable securities and Government Bonds classified as held to maturity are stated at cost, adjusted for unamortised premiums or discounts and are presented net of an allowance for possible losses. Amortisation of premiums and discounts is based on the straight line method over the period from purchase date until maturity.
Efek-efek dan Obligasi Pemerintah yang diklasifikasikan ke dalam kelompok tersedia untuk dijual dinyatakan berdasarkan nilai wajar. Keuntungan atau kerugian yang belum direalisasi akibat perubahan nilai wajar disajikan pada bagian ekuitas. Keuntungan atau kerugian yang telah direalisasi pada saat penjualan efek-efek dan Obligasi Pemerintah diakui dalam laporan laba rugi konsolidasian.
Marketable securities and Government Bonds classified as available for sale are stated at fair value. Unrealised gains or losses from changes in fair value are presented in the equity section. Gains or losses which are realised or incurred when the marketable securities and Government Bonds are sold are recognised to the consolidated statement of income.
Nilai wajar ditentukan berdasarkan harga pasar yang berlaku. Manajemen akan menentukan nilai wajar efek-efek dan Obligasi Pemerintah berdasarkan internal model dan estimasi terbaik jika harga pasar yang dapat diandalkan tidak tersedia.
Fair values are determined on the basis of quoted market prices. Management will determine the fair value of marketable securities and Government Bonds based upon internal models and best estimates, where a reliable market value is not available.
Laba dan rugi yang direalisasi dari penjualan efekefek dan Obligasi Pemerintah dihitung berdasarkan metode identifikasi spesifik dan dikreditkan/dibebankan dalam laporan laba rugi konsolidasian tahun yang bersangkutan.
Realised gains and losses from selling marketable securities and Government Bonds are calculated based on a specific identification method and credited/charged to the current year consolidated statement of income.
LAMPIRAN – 5/9 – SCHEDULE
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
2. IKHTISAR (lanjutan) g.
KEBIJAKAN
PENTING
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
AKUNTANSI
Efek-efek dan Obligasi Pemerintah (lanjutan)
2. SUMMARY OF SIGNIFICANT POLICIES (continued) g.
Pemindahan efek-efek antar kelompok dicatat berdasarkan nilai wajar. h.
i.
Efek yang dijual dengan janji dibeli kembali dan efek yang dibeli dengan janji dijual kembali
ACCOUNTING
Marketable securities and Government Bonds (continued) The transfer of marketable securities between categories is recorded at fair value.
h.
Securities sold under repurchase agreements and securities purchased under resale agreements
Efek yang dijual dengan janji dibeli kembali (repos) disajikan sebagai kewajiban sebesar harga pembelian kembali yang disepakati dikurangi selisih antara harga jual dan harga beli kembali yang disepakati. Selisih antara harga jual dan harga beli kembali yang disepakati tersebut diamortisasi sebagai beban bunga selama periode sejak efek dijual hingga dibeli kembali.
Securities sold under repurchase agreements (repos) are presented as liabilities and stated at the agreed repurchase price net of the difference between the selling price and agreed repurchase price. The difference between the selling price and agreed repurchase price is amortised as interest expense over the period commencing from the selling date to the repurchase date.
Efek yang dibeli dengan janji dijual kembali (reverse repos) disajikan sebagai tagihan sebesar harga jual kembali efek yang disepakati ditambah selisih antara harga beli dan harga jual kembali. Selisih antara harga beli dan harga jual kembali yang disepakati tersebut diamortisasi sebagai pendapatan bunga selama periode sejak efek dibeli hingga dijual kembali.
Securities purchased under resale agreements (reverse repos) are presented as receivables and stated at the agreed resale price net of the difference between the purchase price and resale price. The difference between the purchase price and the agreed resale price is amortised as interest income over the period commencing from the acquisition date to the resale date.
Instrumen keuangan derivatif
i.
Derivative financial instruments
Dalam melakukan usaha bisnisnya, Bank melakukan transaksi instrumen keuangan derivatif seperti kontrak tunai dan berjangka mata uang asing, swap mata uang asing, cross currency swaps, kontrak opsi mata uang asing,dan kontrak future. Semua instrumen keuangan derivatif (termasuk kontrak tunai mata uang asing sejak tahun 2004) dinilai dan dibukukan di neraca berdasarkan nilai wajarnya dengan menggunakan harga pasar.
In the normal course of business, the Bank enters into transactions involving derivative financial instruments such as foreign currency spot and forward contracts, foreign currency swaps, cross currency swaps, foreign currency options, and future contracts. All derivative instruments (includes foreign currency spot contracts since 2004) are valued and recorded on balance sheet at their fair value using market rates.
Keuntungan atau kerugian yang timbul dari perubahan nilai wajar diakui dalam laporan laba rugi konsolidasian.
Gains or losses as a result of changes in fair value are recognised in the consolidated statement of income.
LAMPIRAN – 5/10 – SCHEDULE
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
2. IKHTISAR (lanjutan) j.
KEBIJAKAN
PENTING
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
AKUNTANSI
Pinjaman yang diberikan
2. SUMMARY OF SIGNIFICANT POLICIES (continued) j.
ACCOUNTING
Loans
Pinjaman yang diberikan dinyatakan sebesar saldo pinjaman dikurangi dengan penyisihan kerugian. Pinjaman dalam rangka pembiayaan bersama (kredit sindikasi) dan penerusan kredit dinyatakan sebesar pokok kredit sesuai dengan porsi risiko yang ditanggung oleh Bank.
Loans are stated at their outstanding balance less an allowance for possible losses. Loans under joint financing (syndicated loans) and channelling loans are stated at the principal amount according to the risk portion assumed by the Bank.
Pinjaman yang direstrukturisasi disajikan sebesar nilai yang lebih rendah antara nilai tercatat pinjaman pada tanggal restrukturisasi atau nilai tunai penerimaan kas masa depan setelah restrukturisasi. Kerugian akibat selisih antara nilai tercatat pinjaman pada tanggal restrukturisasi dengan nilai tunai penerimaan kas masa depan setelah restrukturisasi diakui dalam laporan laba rugi konsolidasian.
Restructured loans are presented at the lower of carrying value of the loan at the time of restructuring or net present value of the total future cash receipts after restructuring. Losses arising from any excess of the carrying value of the loan at the time of restructuring over the net present value of the total future cash receipts after restructuring, are recognised in the consolidated statement of income.
Pinjaman yang diberikan dihapus-bukukan ketika tidak terdapat prospek yang realistis mengenai pengembalian pinjaman atau hubungan normal antara Bank dan debitur telah berakhir. Pinjaman yang tidak dapat dilunasi dihapus-bukukan dengan mendebit penyisihan kerugian. Pelunasan kemudian atas pinjaman yang telah dihapusbukukan sebelumnya, dikreditkan ke penyisihan kerugian pinjaman di neraca konsolidasian.
Loans are written-off when there is no realistic prospect of collection or when Bank’s normal relationship with the borrowers has ceased to exist. When loans are deemed uncollectible, they are written-off against the related allowance for possible losses. Subsequent recoveries are credited to the allowance for possible losses in the consolidated balance sheet.
Pinjaman yang dibeli dari Badan Penyehatan Perbankan Nasional (“BPPN”)
Loans purchased from Indonesian Bank Restructuring Agency (“IBRA”)
Selama tahun 2002 dan 2003, Bank membeli pinjaman dari BPPN. Perlakuan akuntansi atas kredit ini mengacu pada Peraturan Bank Indonesia No. 4/7/PBI/2002 tentang “Prinsip kehati-hatian dalam rangka pembelian kredit oleh bank dari BPPN”.
During the year 2002 and 2003, the Bank purchased loans from IBRA. The accounting treatment for these loans follows Bank Indonesia Regulation No. 4/7/PBI/2002 regarding “Prudential principles for credits purchased by banks from IBRA”.
Menurut peraturan di atas, selisih antara nilai pokok pinjaman dan harga beli dibukukan sebagai penyisihan kerugian pinjaman apabila Bank tidak membuat perjanjian pinjaman baru dengan debitur, dan dibukukan sebagai pendapatan ditangguhkan apabila Bank membuat perjanjian baru dengan debitur.
Under the above regulation, the difference between the oustanding loan principal and purchase price is booked as an allowance for possible losses if the Bank does not enter into a new credit agreement with the borrower, and as deferred income if the Bank does enter into a new credit agreement.
LAMPIRAN – 5/11 – SCHEDULE
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
2. IKHTISAR (lanjutan) j.
k.
KEBIJAKAN
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
PENTING
AKUNTANSI
2. SUMMARY OF SIGNIFICANT POLICIES (continued)
Pinjaman yang diberikan (lanjutan)
j.
ACCOUNTING
Loans (continued)
Pinjaman yang dibeli dari BPPN pada mulanya digolongkan dalam kualitas lancar dalam jangka waktu 1 tahun sejak saat pembelian. Penilaian kualitas pinjaman yang diberikan setelah jangka waktu 1 tahun sejak saat pembelian didasarkan pada analisa arus kas dan kemampuan membayar debitur. Namun, jika debitur tidak mau bekerjasama sehingga restrukturisasi kelihatan tidak akan terwujud, maka pinjaman akan diklasifikasikan sebagai pinjaman bermasalah walaupun jangka waktu kurang dari 1 tahun.
Loans purchased from IBRA are initially classified as pass for a period of 1 year from the date of purchase. The assessment of the credit quality after 1 year is based on an analysis of debtors’ cash flows and repayment ability. However, if a debtor is not cooperative and the restructuring is not likely to occur, loans will be classified as nonperforming, eventhough the period is less than 1 year.
Penerimaan pembayaran dari debitur harus diakui terlebih dahulu sebagai pengurang pokok kredit dan kelebihan penerimaan pembayaran diakui sebagai pendapatan bunga dalam laporan laba rugi konsolidasian.
Any receipts from borrowers are deducted from the outstanding loan principal first, and any excess is recognised as interest income in the consolidated statement of income.
Pendapatan bunga atas pinjaman yang dibeli dari BPPN yang belum direstrukturisasi diakui pada saat pendapatan tersebut diterima.
Interest income on unrestructured loans purchased from IBRA is recognised only to the extent that interest is received in cash.
Pinjaman yang tidak direstrukturisasi harus dihapus-buku apabila dalam masa 5 tahun sejak tanggal pembelian, pinjaman belum dilunasi.
Unrestructured loans must be written-off if they cannot be recovered during 5 years from the date of purchase.
Penyisihan kerugian atas aktiva produktif
k.
Allowance for possible losses on earning assets
Aktiva produktif terdiri dari giro pada bank lain, penempatan pada bank lain, efek-efek, efek yang dibeli dengan janji dijual kembali, tagihan derivatif, pinjaman yang diberikan, tagihan akseptasi, penyertaan serta komitmen dan kontijensi pada rekening administratif yang mempunyai risiko kredit.
Earning assets include current accounts with other banks, placements with other banks, marketable securities, securities under resale agreements, derivative receivables, loans, acceptance receivables, investments and commitments and contingencies arising from off balance sheet transactions which carry credit risk.
Bank Indonesia menghendaki minimum penyisihan kerugian atas aktiva produktif sesuai dengan Peraturan No. 31/148/KEP/DIR tanggal 12 Nopember 1998 yang mengklasifikasikan aktiva produktif menjadi lima kategori dengan minimum persentase penyisihan kerugian sebagai berikut:
Bank Indonesia requires minimum allowances for possible losses on earning assets in accordance with regulation No. 31/148/KEP/DIR dated 12 November 1998 which classifies earning assets into five categories with the following minimum percentages of allowance for possible losses:
Klasifikasi Lancar Dalam perhatian khusus Kurang lancar Diragukan Macet
Persentase minimum penyisihan kerugian/ Minimum percentage of allowance for possible losses 1% 5% 15% 50% 100% LAMPIRAN – 5/12 – SCHEDULE
Classification Pass Special mention Substandard Doubtful Loss
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
2. IKHTISAR (lanjutan) k.
KEBIJAKAN
PENTING
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
AKUNTANSI
Penyisihan kerugian atas aktiva produktif (lanjutan)
2. SUMMARY OF SIGNIFICANT POLICIES (continued) k.
ACCOUNTING
Allowance for possible losses on earning assets (continued)
Aktiva produktif dengan klasifikasi lancar dan dalam perhatian khusus, sesuai dengan peraturan Bank Indonesia digolongkan sebagai aktiva produktif tidak bermasalah. Sedangkan untuk aktiva produktif dengan klasifikasi kurang lancar, diragukan, dan macet digolongkan sebagai aktiva produktif bermasalah.
Earning assets classified as pass and special mention are considered as performing earning assets in accordance with Bank Indonesia regulations. Non performing assets consist of assets classified as substandard, doubtful, and loss.
Penyisihan kerugian pinjaman penyisihan khusus dan umum.
dari
The allowance for loan losses consists of specific and general provisions.
Penyisihan khusus terhadap pinjaman bermasalah dihitung berdasarkan kemampuan debitur dalam membayar hutang. Jaminan, kecuali deposito berjangka, tidak diperhitungkan dalam menentukan penyisihan khusus. Penyisihan khusus dibuat ketika timbul keraguan akan kemampuan debitur dalam membayar dan menurut pertimbangan Manajemen, estimasi jumlah yang akan diperoleh kembali dari debitur berada di bawah jumlah pokok dan bunga pinjaman yang belum terbayar.
Specific provisions for non performing loans are calculated based on the borrower's debt servicing capacity. Collateral, except time deposits, is not taken into account in determining specific provisions. Specific provisions are made as soon as the debt servicing of the loan is questionable and the Management considers that the estimated recovery from the borrower is likely to fall short from the amount of principal and interest outstanding.
Penyisihan umum dibentuk untuk kerugian yang belum teridentifikasi namun diperkirakan mungkin terjadi berdasarkan pengalaman masa lalu, dari keseluruhan portofolio pinjaman. Termasuk dalam penyisihan umum adalah penyisihan 1% seperti yang dikehendaki oleh peraturan Bank Indonesia untuk aktiva produktif dengan klasifikasi lancar.
General provisions are maintained for losses that are not yet identified but can reasonably be expected to arise, based on historical experience, from the existing overall loan portfolio. Included in the general provision is the 1% provision required under Bank Indonesia regulations for earning assets classified as pass.
Penyisihan kerugian atas komitmen dan kontinjensi atas dari rekening administratif disajikan sebagai kewajiban di neraca konsolidasian.
The allowance for possible losses on commitments and contingencies arising from off balance sheet transactions is presented in the liability section of the consolidated balance sheet.
Anak Perusahaan membentuk penyisihan kerugian berdasarkan persentase tertentu dari piutang pembiayaan bersih, yang ditentukan berdasarkan hasil penelaahan terhadap keadaan akun piutang masing-masing konsumen pada akhir tahun. Piutang yang tak tertagih dihapus-bukukan pada saat terjadinya. Penerimaan dari piutang yang telah dihapus-bukukan diakui sebagai “Pendapatan lainlain”.
The Subsidiary provides an allowance for possible losses using a certain percentage of net financing based on a review of the status of individual receivable accounts, at the end of the year. Doubtful accounts are written-off when determined to be uncollectible. Recoveries of accounts previously written-off are recognised as “Other income”.
terdiri
LAMPIRAN – 5/13 – SCHEDULE
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah) 2. IKHTISAR (lanjutan) l.
KEBIJAKAN
PENTING
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah) AKUNTANSI
Akuntansi pembiayaan konsumen
2. SUMMARY OF SIGNIFICANT POLICIES (continued) l.
Accounting for consumer financing
Piutang pembiayaan konsumen Anak Perusahaan disajikan sebesar nilai bersih setelah dikurangi pendapatan pembiayaan konsumen yang ditangguhkan serta penyisihan kerugian piutang yang diragukan dan bagian yang dibiayai oleh cofinancing banks sehubungan dengan pembiayaan bersama dan penunjukan Anak Perusahaan selaku pengelola piutang.
The Subsidiary’s consumer financing receivables are stated net of unearned consumer financing income, allowance for possible losses and the portion financed by co-financing banks in relation to joint financing and assignment of the Subsidiary as servicing agent.
Pendapatan pembiayaan konsumen yang ditangguhkan merupakan selisih antara jumlah keseluruhan pembayaran angsuran yang akan diterima dari konsumen dan jumlah pokok pembiayaan, yang akan diakui sebagai penghasilan sesuai dengan jangka waktu kontrak berdasarkan suatu tingkat pengembalian tetap yang dihitung secara berkala atas nilai investasi bersih terhitung sejak pembiayaan konsumen dilakukan.
Unearned consumer financing income is the difference between total instalments to be received from customers and total financing. This is recognised as earned income over the term of the contract based on a constant rate of return on the net investment commencing at the time the consumer financing is executed.
Pelunasan sebelum masa pembiayaan konsumen berakhir dianggap sebagai pembatalan perjanjian pembiayaan konsumen dan laba atau rugi yang timbul diakui dalam laporan laba rugi konsolidasian tahun berjalan.
Early termination is treated as a cancellation of the financing contract and the resulting gain or loss is recognised in the current year consolidated statement of income.
Piutang pembiayaan konsumen yang menunggak lebih dari 270 hari akan dihapus-bukukan. Pelunasan kemudian atas pinjaman yang telah dihapus-bukukan sebelumnya, diakui sebagai pendapatan lain-lain pada saat diterima.
Overdue consumer financing receivables more than 270 days are written-off. Subsequent recoveries are recognised as other income upon receipt.
Anak Perusahaan berhak menentukan tingkat suku bunga yang lebih tinggi ke konsumen daripada tingkat suku bunga yang dibayarkan kepada cofinancing banks sehubungan dengan transaksi pembiayaan bersama dan penunjukan Anak Perusahaan selaku pengelola piutang. Selisih tingkat suku bunga atas transaksi tersebut merupakan pendapatan bagi Anak Perusahaan dan disajikan sebagai Pendapatan Pembiayaan Konsumen pada laporan laba rugi konsolidasian tahun berjalan.
The Subsidiary is allowed to set interest rates to customers over and above the interest paid to cofinancing banks in relation to joint financing and assignment of the Subsidiary as servicing agent. The excess of interest from those transactions is income for the Subsidiary and is presented as Consumer Financing Income in the consolidated statements of income.
m. Tagihan dan kewajiban akseptasi
m. Acceptance receivables and payables
Tagihan dan kewajiban akseptasi dinyatakan sebesar nilai Letter of Credit (“L/C”) atau nilai yang dapat direalisasi atas L/C yang diaksep oleh bank pengaksep. Penyisihan kerugian disajikan sebagai pengurang dari akun tagihan akseptasi. n.
ACCOUNTING
Penyertaan
Acceptance receivables and payables are stated at the value of the Letter of Credit (“L/C”) or realisable value of the L/C accepted by the accepting bank. Acceptance receivables are recorded net of an allowance for possible losses. n.
Penyertaan merupakan penanaman dana dalam bentuk saham untuk tujuan jangka panjang pada perusahaan, yang terutama bergerak di dalam industri jasa keuangan.
Investments Investments represent investments in companies principally engaged in the financial services industry and held for the long term.
LAMPIRAN – 5/14 – SCHEDULE
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
2. IKHTISAR (lanjutan) n.
o.
KEBIJAKAN
PENTING
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
AKUNTANSI
2. SUMMARY OF SIGNIFICANT POLICIES (continued)
Penyertaan (lanjutan)
n.
ACCOUNTING
Investments (continued)
Penyertaan di mana Bank mempunyai persentase kepemilikan 20% sampai dengan 50% dicatat dengan metode ekuitas. Dengan metode ini, penyertaan dicatat sebesar biaya perolehan dan ditambah atau dikurangi dengan bagian Bank atas laba atau rugi bersih perusahaan asosiasi sesuai dengan jumlah persentase kepemilikan dan dikurangi dengan penerimaan dividen sejak tanggal perolehan.
Investments where the Bank has an ownership interest of 20% to 50% are recorded based on the equity method. Under this method, investments are stated at cost and adjusted for the Bank’s share of net income or losses of the investees and deducted by dividends earned since the date of acquisition.
Penyertaan dengan persentase kepemilikan di bawah 20% dicatat dengan metode biaya, yaitu sebesar biaya perolehan dikurangi dengan penyisihan penurunan nilai investasi.
Investments with an ownership interest below 20% are recorded based on the cost method. Under this method, investments are carried at cost reduced by an allowance for diminution in the value of investments.
Aktiva tetap dan penyusutan
o.
Fixed assets and depreciation
Aktiva tetap, kecuali tanah dan aktiva tetap tertentu yang telah dinilai kembali, dicatat sebesar harga perolehan dikurangi akumulasi penyusutan.
Fixed assets except land and certain fixed assets which have been revalued, are recorded at cost less accumulated depreciation.
Semua aktiva tetap kecuali tanah, disusutkan berdasarkan metode garis lurus selama estimasi masa manfaat aktiva sebagai berikut:
Fixed assets, except land, are depreciated using the straight line method over their expected useful lives as follows:
Tahun/Years Bangunan Peralatan, perlengkapan kantor dan perangkat lunak komputer Kendaraan bermotor
20 4-5
Buildings Office furniture, equipment and computer software Motor vehicles
3-5
Biaya pemeliharaan dan perbaikan dicatat sebagai beban pada saat terjadinya. Pengeluaran yang memperpanjang masa manfaat aktiva dikapitalisasi dan disusutkan.
Maintenance and repair costs are charged as an expense when incurred. Expenditure which extends the future life of assets is capitalised and depreciated.
Apabila nilai tercatat aktiva lebih besar dari nilai yang dapat diperoleh kembali, nilai tercatat aktiva harus diturunkan menjadi sebesar nilai yang dapat diperoleh kembali, yaitu nilai yang lebih tinggi antara harga jual neto dan nilai pakai.
When the carrying amount of an asset is greater than its estimated recoverable amount, it is written down immediately to its recoverable amount, which is determined as the higher of net selling price or value in use.
Apabila aktiva tetap tidak digunakan lagi atau dijual, maka nilai perolehan dan akumulasi penyusutannya dikeluarkan dari kelompok aktiva tetap, dan keuntungan atau kerugian yang terjadi diakui dalam laporan laba rugi konsolidasian.
When assets are retired or disposed of, their costs and the related accumulated depreciation are eliminated from fixed assets, and the resulting gains or losses are recognised in the consolidated statement of income.
LAMPIRAN – 5/15 – SCHEDULE
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
2. IKHTISAR (lanjutan) o.
KEBIJAKAN
PENTING
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
AKUNTANSI
Aktiva tetap dan penyusutan (lanjutan)
2. SUMMARY OF SIGNIFICANT POLICIES (continued) o.
Akumulasi biaya konstruksi aktiva tetap dikapitalisasi sebagai “Aktiva dalam penyelesaian”. Biaya tersebut direklasifikasi ke akun aktiva pada saat proses konstruksi atau pemasangan selesai. Penyusutan mulai dibebankan pada saat aktiva tersebut mulai digunakan. p.
Agunan yang diambil alih
p.
r.
Simpanan nasabah
Fixed assets and depreciation (continued) The accumulated costs of the construction of fixed assets are capitalised as “Assets under construction”. These costs are reclassified to the fixed asset account when the construction or installation is complete. Depreciation is charged from the date when assets are brought into use.
Agunan yang diambil alih diakui sebesar nilai bersih yang dapat direalisasi. Selisih antara nilai agunan yang diambil alih dengan sisa pokok pinjaman, jika ada, dibebankan ke laporan laba rugi konsolidasian tahun berjalan. Selisih antara nilai buku agunan yang diambil alih dan hasil penjualannya diakui sebagai keuntungan atau kerugian. q.
ACCOUNTING
Foreclosed assets Foreclosed assets are recognised at their net realisable value. Differences between the value of the foreclosed assets and the remaining loan principal, if any, are charged to the current year consolidated statement of income. Any differences between the book value of the foreclosed assets and the proceeds from their sale is recognised as a gain or loss.
q.
Deposits from customers
Giro dan tabungan dinyatakan sebesar nilai kewajiban.
Current and savings accounts are stated at the payable amount.
Deposito nominal.
Time deposits are stated at their nominal value.
berjangka
dinyatakan
sebesar
nilai
Pendapatan dan beban bunga
r.
Interest income and expense
Pendapatan dan beban bunga diakui berdasarkan konsep akrual. Pendapatan pembiayaan konsumen yang diperoleh oleh Anak Perusahaan diakui setelah dikurangi dengan bagian pendapatan milik co-financing banks sehubungan dengan pembiayaan bersama dan penunjukan Anak Perusahaan selaku pengelola piutang.
Interest income and expense are recognised on an accrual basis. Consumer financing income of the Subsidiary is recognised net of the interest income portion of co-financing banks in relation to joint financing and assignment of the Subsidiary as servicing agent.
Pendapatan bunga atas pinjaman yang diberikan, piutang pembiayaan konsumen atau aktiva produktif lainnya yang diklasifikasikan sebagai nonperforming diakui pada saat pendapatan tersebut diterima (cash basis).
Interest income on loans, consumer financing receivables or other earning assets which are classified as non performing is recognised only to the extent that interest is received in cash (cash basis).
Pada saat pinjaman atau piutang pembiayaan konsumen diklasifikasikan sebagai non-performing, bunga yang telah diakui tetapi belum tertagih, dibatalkan pengakuannya. Selanjutnya bunga yang dibatalkan tersebut diakui sebagai tagihan kontijensi.
When a loan or consumer financing receivable is classified as non performing, any interest income previously recognised but not yet collected is reversed against interest income. The reversed interest income is recognised as a contingent receivable.
LAMPIRAN – 5/16 – SCHEDULE
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
2. IKHTISAR (lanjutan) r.
s.
t.
KEBIJAKAN
PENTING
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
AKUNTANSI
Pendapatan dan beban bunga (lanjutan)
2. SUMMARY OF SIGNIFICANT POLICIES (continued) r.
ACCOUNTING
Interest income and expense (continued)
Penerimaan tunai atas pinjaman yang diklasifikasikan sebagai diragukan atau macet, kecuali pinjaman yang dibeli dari BPPN dipergunakan terlebih dahulu untuk mengurangi pokok pinjaman. Kelebihan penerimaan dari pokok pinjaman diakui sebagai pendapatan bunga dalam laporan laba rugi konsolidasian.
Cash receipts from loans which are classified as doubtful or loss, except for loans purchased from IBRA, are applied to the loan principal first. The excess of cash receipts over loan principal is recognised as interest income in the consolidated statement of income.
Pendapatan denda atas keterlambatan pembayaran angsuran pembiayaan konsumen diakui pada saat realisasi.
Penalty and late charges from customer instalments are recognised in the period when these are realised.
Pendapatan dan beban provisi dan komisi
s.
Fees and commission income and expense
Provisi dan komisi yang berkaitan langsung dengan kegiatan pinjaman Bank, atau mempunyai jangka waktu tertentu, diamortisasi berdasarkan metode garis lurus sesuai dengan jangka waktunya. Apabila pinjaman dilunasi sebelum jatuh tempo, maka pendapatan provisi dan komisi yang belum diamortisasi, diakui pada saat pinjaman dilunasi. Pendapatan dan beban provisi dan komisi lainnya diakui pada saat terjadinya transaksi.
Fees and commission income directly related to the Bank’s lending activities, or related to a specific period, is amortised using the straight line method over the term of the underlying contract. Unamortised fees and commissions relating to loans settled prior to maturity are recognised at the settlement date. Other fees and commissions are recognised at the transaction date.
Pendapatan provisi Anak Perusahaan diakui dalam laporan laba rugi konsolidasian pada saat perjanjian pembiayaan ditandatangani dan kendaraan yang dibiayai telah diasuransikan kepada perusahaan asuransi. Pendapatan atas biaya administrasi diakui pada saat perjanjian pembiayaan konsumen ditandatangani dan diamortisasi dengan metode garis lurus selama periode pembiayaan
Commission income earned by the Subsidiary is recognised in the consolidated statement of income when the consumer financing contracts are signed and the vehicles being financed have been insured with an insurance company. Income in the form of administration charges is accrued at the time the consumer financing contracts are signed and is amortised on a straight-line basis during the period of financing.
Obligasi yang diterbitkan
t.
Obligasi yang diterbitkan dicatat sebesar nilai nominal dikurangi saldo diskonto yang belum diamortisasi. Biaya yang terjadi sehubungan dengan penerbitan obligasi Anak Perusahaan diakui sebagai diskonto dan dikurangkan langsung dari hasil emisi, dan diamortisasi selama jangka waktu obligasi tersebut dengan menggunakan metode garis lurus.
Bonds issued Bonds are presented at nominal value net of unamortised discount. Costs incurred in connection with the Subsidiary’s bonds’ issuance were recognised as discount and offset directly from the proceeds derived from such offering and amortised over the period of the bonds using the straight-line method.
LAMPIRAN – 5/17 – SCHEDULE
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
2.
IKHTISAR (lanjutan) u.
KEBIJAKAN
PENTING
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
AKUNTANSI
Pinjaman subordinasi
2. SUMMARY OF SIGNIFICANT POLICIES (continued) u.
Pinjaman subordinasi dicatat sebesar nilai nominal dikurangi saldo diskonto yang belum diamortisasi. Selisih antara nilai nominal dengan kas yang diterima diakui sebagai diskonto atau premi dan diamortisasi berdasarkan metode garis lurus sampai dengan tanggal jatuh tempo. v.
Perpajakan
ACCOUNTING
Subordinated debts Subordinated debts are presented at nominal value net of unamortised discount. Differences between nominal value and cash received are recognised as discount and amortised based on the straight-line method until maturity.
v.
Taxation
Semua perbedaan temporer antara jumlah tercatat aktiva dan kewajiban dengan dasar pengenaan pajaknya diakui sebagai pajak tangguhan berdasarkan metode kewajiban (liability method). Tarif pajak yang berlaku saat ini dipakai untuk menentukan pajak tangguhan.
Deferred income tax is provided using the liability method, for all temporary differences arising between the tax bases of assets and liabilities and their carrying values for financial reporting purposes. Current enacted tax rates are used to determine deferred income tax.
Aktiva pajak tangguhan diakui apabila besar kemungkinan bahwa jumlah laba fiskal pada masa datang akan memadai untuk dikompensasi dengan aktiva pajak tangguhan tersebut.
A deferred tax asset is recognised to the extent that it is probable that future taxable profits will be available against which the asset can be utilised.
Koreksi terhadap kewajiban perpajakan diakui saat surat ketetapan pajak diterima atau jika mengajukan keberatan, pada saat keputusan atas keberatan tersebut telah ditetapkan.
Amendments to taxation obligations are recorded when an assessment is received or, if appealed against, when the results of the appeal are determined. . w. Employee benefits and pension plan
w. Imbalan kerja dan dana pensiun Imbalan kerja jangka pendek diakui dengan metode akrual, sedangkan imbalan pasca kerja dan pesangon pemutusan hubungan kerja dihitung dengan menggunakan metode aktuarial berdasarkan jasa yang diberikan oleh karyawan sampai dengan tanggal neraca sesuai dengan “Perjanjian Kerja Bersama” antara Bank dan karyawan dan telah sesuai dengan PSAK 24 (revisi 2004) (lihat Catatan 51).
Short term employee benefits are recognised when they accrue to the employees. Post employment benefits and termination benefits are calculated using the actuarial method based on past services rendered by employees up to the balance sheet date in accordance with the “Collective Labor Agreement” between the Bank and employees and in compliance with PSAK 24 (revision 2004) (see Note 51).
Anak Perusahaan mengakui imbalan kerja tersebut di atas berdasarkan Undang-Undang Ketenagakerjaan No. 13/2003 dan telah sesuai dengan PSAK 24 (revisi 2004) (lihat Catatan 51).
The Subsidiary recognises the above employee benefits in accordance with Manpower Regulation No. 13/2003 and in compliance with PSAK 24 (revision 2004) (see Note 51).
Sehubungan dengan imbalan pasca kerja, Bank memiliki program pensiun iuran pasti untuk karyawan tetap yang memenuhi syarat, sebagaimana ditetapkan dalam peraturan dana pensiun Bank. Iuran tahunan Bank diakui sebagai beban dalam laporan laba rugi konsolidasian.
In relation to post employment benefits, the Bank has a defined contribution plan covering certain qualified permanent employees as stipulated in Bank’s pension plan regulation. The Bank’s annual contribution is charged to the consolidated statement of income.
LAMPIRAN – 5/18 – SCHEDULE
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
2.
IKHTISAR (lanjutan)
KEBIJAKAN
PENTING
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
AKUNTANSI
w. Imbalan kerja dan dana pensiun (lanjutan)
2. SUMMARY OF SIGNIFICANT POLICIES (continued) w. Employee (continued)
Bank memberikan opsi saham kepada para karyawan yang berhak. Beban kompensasi ditentukan pada tanggal pemberian kompensasi berdasarkan nilai wajar dari seluruh opsi saham yang diberikan yang dihitung dengan menggunakan metode penentuan harga opsi “Binomial” dan dicatat sebagai komponen ekuitas. Beban diakui pada laporan laba rugi konsolidasian selama periode jasa diberikan atau periode vesting. x.
y.
Laba per saham
benefits
and
ACCOUNTING
pension
plan
The Bank provides stock options to eligible employees. Compensation costs are measured at grant date based on the fair value of the stock options using a “Binomial” pricing model, and are recognised in the consolidated statement of income over the service or vesting period with a corresponding entry in equity.
x.
Earnings per share
Laba bersih per saham dasar dihitung dengan membagi laba bersih dengan rata-rata tertimbang jumlah saham biasa yang beredar pada tahun yang bersangkutan.
Basic earnings per share are computed by dividing net income with the weighted average number of ordinary shares outstanding during the year.
Dalam Rapat Umum Pemegang Saham pada tanggal 9 Januari 2003, para pemegang saham telah menyetujui untuk meningkatkan nilai nominal saham dengan menggabungkan setiap 5 saham dalam suatu seri menjadi 1 saham seri yang sama. Reverse stock split ini mengakibatkan penurunan jumlah rata-rata tertimbang saham beredar (lihat Catatan 38). Perubahan ini tidak menimbulkan dilusi laba bersih per saham.
At the Extraordinary General Meeting of Shareholders held on 9 January 2003, the shareholders agreed to increase the par value per share by combining 5 shares of each series into one share of the same series. This reverse stock split resulted in a decrease of the weighted average number of outstanding shares (see Note 38). These changes did not result in a dilution of the earning per share.
Laba bersih per saham dilusian dihitung dengan membagi laba bersih dengan rata-rata tertimbang saham yang beredar pada tahun yang bersangkutan yang disesuaikan dengan mengasumsikan konversi efek berpotensi saham yang sifatnya dilutif.
Diluted earnings per share is computed by dividing net income with the weighted average number of shares outstanding during the year adjusted to assumed conversion of all dilutive potential ordinary shares.
Transaksi dengan pihak yang mempunyai hubungan istimewa
y.
Transactions with related parties
Bank dan Anak Perusahaan melakukan transaksi dengan pihak-pihak yang mempunyai hubungan istimewa yang didefinisikan sebagai berikut:
The Bank and Subsidiary enter into transactions with related parties which are defined as follows:
i.
Perusahaan di bawah pengendalian Bank dan Anak Perusahaan;
i.
Entities under the control of the Bank and its Subsidiary;
ii.
Perusahaan asosiasi;
ii.
Associated companies;
iii. Investor yang memiliki hak suara, yang memberikan investor tersebut suatu pengaruh yang signifikan;
iii.
Investors with an interest in the voting that gives them significant influence;
iv. Perusahaan di bawah pengendalian investor yang dijelaskan dalam catatan iii diatas; dan
iv. Entities controlled by investors under iii above; and
v.
v.
Karyawan kunci dan anggota keluarganya.
LAMPIRAN – 5/19 – SCHEDULE
Key managements and their relatives.
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
2.
IKHTISAR (lanjutan)
KEBIJAKAN
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
PENTING
AKUNTANSI
2. SUMMARY OF SIGNIFICANT POLICIES (continued)
y. Transaksi dengan pihak yang mempunyai hubungan istimewa (lanjutan)
z.
y.
Transactions with related parties (continued)
Transaksi antara Bank dan Anak Perusahaan dengan Pemerintah Indonesia termasuk setiap entitas yang dikendalikan oleh PPA (dahulu BPPN) dalam rangka “restrukturisasi perbankan/ perusahaan”, tidak diungkapkan sebagai transaksi dengan pihak yang mempunyai hubungan istimewa.
Transactions between the Bank and Subsidiary with the Government of Indonesia, including any entity controlled by PPA (formerly IBRA) as a result of the “bank and corporate restructuring programme”, are not disclosed as transaction with related parties.
Jenis transaksi dan saldo dengan pihak-pihak yang mempunyai hubungan istimewa, apakah dilaksanakan dengan atau tidak dengan syarat atau kondisi normal yang sama untuk pihak-pihak yang tidak mempunyai hubungan istimewa, diungkapkan dalam catatan atas laporan keuangan konsolidasian.
The nature of transactions and balances of accounts with related parties, whether or not transacted at normal terms and conditions similar to those with non related parties, are disclosed in the notes to the consolidated financial statements.
Informasi segmen usaha
z.
Segmen usaha menghasilkan produk atau jasa yang memiliki risiko dan tingkat pengembalian yang berbeda dengan segmen usaha lainnya. Informasi keuangan disajikan berdasarkan informasi yang digunakan oleh Manajemen dalam mengevaluasi kinerja dari setiap segmen usaha.
aa. Use of estimates
Penyusunan laporan keuangan konsolidasian sesuai dengan prinsip akuntansi yang berlaku umum mengharuskan Manajemen untuk membuat estimasi dan asumsi yang mempengaruhi jumlah aktiva dan kewajiban serta pengungkapan komitmen dan kontinjensi pada tanggal laporan keuangan konsolidasian serta jumlah pendapatan dan beban selama periode pelaporan. Hasil yang sebenarnya mungkin berbeda dari jumlah yang diestimasi. KAS
The preparation of consolidated financial statements in conformity with generally accepted accounting principles requires the Management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of commitments and contingencies at the date of the consolidated financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. 3.
2004 Pihak ketiga Rupiah Mata uang asing
Business segments information Business segments provide products or services that are subject to risks and returns that are different from those of other business segments. The financial information is presented based on the information used by Management in evaluating the performance of each segment.
aa. Penggunaan estimasi
3.
ACCOUNTING
2003
CASH 2002
708,417 44,839
956,567 55,306
998,675 53,517
753,256
1,011,873
1,052,192
Saldo dalam mata uang Rupiah termasuk uang pada mesin ATM (Automatic Teller Machine) sejumlah Rp 85.314 pada tanggal 31 Desember 2004 (2003: Rp 78.148; 2002: Rp 69.329).
Third parties Rupiah Foreign currencies
The Rupiah balance includes cash in ATMs (Automatic Teller Machines) amounting to Rp 85,314 as at 31 December 2004 (2003: Rp 78,148; 2002: Rp 69,329).
LAMPIRAN – 5/20 – SCHEDULE
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
4.
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
GIRO PADA BANK INDONESIA
Rupiah Dolar Amerika Serikat
4.
CURRENT ACCOUNTS WITH BANK INDONESIA
2004
2003
2002
2,422,890 239,210
1,976,833 176,112
1,525,673 222,147
2,662,100
2,152,945
1,747,820
Pada tanggal 31 Desember 2004, persentase giro wajib minimum dalam Rupiah adalah sebesar 7,13% (2003: 5,15%; 2002: 5,08%) dan Dolar Amerika Serikat adalah sebesar 3,02% (2003: 3,05%; 2002: 3,04%).
5. GIRO PADA BANK LAIN
Rupiah United States Dollars
As at 31 December 2004, the percentage of statutory reserves in Rupiah is 7.13% (2003: 5.15%; 2002: 5.08%) and United States Dollars is 3.02 % (2003: 3.05%; 2002: 3.04%).
5. CURRENT ACCOUNTS WITH OTHER BANKS
Informasi mengenai jatuh tempo diungkapkan pada Catatan 45.
Information in respect of maturities is disclosed in Note 45.
a. Berdasarkan mata uang
a. By currency 2004
Pihak ketiga Rupiah Mata uang asing Dikurangi: Penyisihan kerugian
2003
2002
162,445 488,277
105,658 566,847
74,244 271,408
650,722
672,505
345,652
(5,169) 645,553
(6,725)
(3,457)
665,780
Berdasarkan kolektibilitas
Less: Allowance for possible losses
342,195
Giro pada bank lain dalam mata uang asing terutama terdiri dari Dolar Amerika Serikat, Euro, Poundsterling, Dolar Australia, Dolar Hong Kong, Dolar New Zealand, Yen dan Dolar Singapura.
b.
Third parties Rupiah Foreign currencies
Current accounts with other banks in foreign currencies are principally denominated in United States Dollars, Euros, Poundsterling, Australian Dollars, Hong Kong Dollars, New Zealand Dollars, Yen and Singapore Dollars. b.
By collectibility
Pada tanggal 31 Desember 2004, semua giro pada bank lain sejumlah Rp 650.722 (2003: Rp 672.505; 2002: Rp 345.652) digolongkan lancar.
As at 31 December 2004, current accounts with other banks amounting to Rp 650,722 (2003: Rp 672,505; 2002: Rp 345,652) are classified as pass .
Manajemen berpendapat bahwa jumlah penyisihan kerugian diatas telah memadai.
The Management believes that the above allowance for possible losses is adequate.
LAMPIRAN – 5/21 – SCHEDULE
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
6. PENEMPATAN PADA BANK LAIN
6. PLACEMENTS WITH OTHER BANKS
Informasi mengenai jatuh tempo dan tingkat suku bunga diungkapkan pada Catatan 45 dan 46.
Information in respect of maturities and interest rates is disclosed in Notes 45 and 46.
a.
a.
Berdasarkan jenis dan mata uang 2004 Pihak ketiga Rupiah - Call money - Deposito berjangka - Lain-lain Mata uang asing - Call money Dikurangi: Penyisihan kerugian
2003
7.
2002
225,000 2,000 227,000
1,085,000 1,500 1,725 1,088,225
300,000 3,109 303,109
501,390 728,390
998,363 2,086,588
1,187,150 1,490,259
(7,264) 721,126
b.
By type and currency
(20,866)
(14,903)
2,065,722
Third parties Rupiah Call money Time deposits Others Foreign currencies Call money Less: Allowance for possible losses
1,475,356
Pada tanggal 31 Desember 2004, 2003 dan 2002 termasuk dalam call money jumlah sebesar Rp 175.000 dijaminkan sehubungan dengan efek yang dijual dengan janji dibeli kembali (lihat Catatan 12).
At 31 December 2004, 2003 and 2002 included in call money is an amount of Rp 175,000 which is pledged as collateral in relation to securities sold under a repurchase agreement (see Note 12).
Pada tanggal 31 Desember 2004, deposito berjangka Anak Perusahaan sebesar Rp 2.000 dijadikan jaminan atas fasilitas pinjaman yang diterima Anak Perusahaan (lihat Catatan 22).
As at 31 December 2004, the Subsidiary’s time deposits of Rp 2,000 are pledged as collateral for a borrowing facility granted to the Subsidiary (see Note 22).
Berdasarkan kolektibilitas
b.
By collectibility
Seluruh penempatan pada bank lain pada tanggal 31 Desember 2004, 2003 dan 2002 digolongkan sebagai lancar.
All placements with other banks as at 31 December 2004, 2003 and 2002 are classified as pass.
Manajemen berpendapat bahwa jumlah penyisihan kerugian diatas telah memadai.
The Management believes that the above allowance for possible losses is adequate.
EFEK-EFEK
7.
Efek-efek yang dikeluarkan oleh pihak-pihak yang mempunyai hubungan istimewa diungkapkan pada Catatan 40. Informasi mengenai jatuh tempo dan tingkat suku bunga diungkapkan pada Catatan 45 dan 46.
MARKETABLE SECURITIES Marketable securities issued by related parties are disclosed in Note 40. Information in respect of maturities and interest rates is disclosed in Notes 45 and 46.
LAMPIRAN – 5/22 – SCHEDULE
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah) 7.
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
EFEK-EFEK (lanjutan) a.
7.
MARKETABLE SECURITIES (continued)
Berdasarkan jenis dan mata uang
a.
2004 Nilai tercatat/ Carrying value Dimiliki hingga jatuh tempo: Rupiah - Unit penyertaan reksadana - Obligasi korporasi Setelah dikurangi/ditambah diskonto atau premi yang belum diamortisasi sebesar Rp 105 pada tahun 2004 (2003 dan 2002: Rp nihil) - Surat berharga lainnya Mata uang asing - Pinjaman exchange offer setelah dikurangi diskonto yang belum diamortisasi sebesar Rp nihil pada tahun 2004 (2003: Rp nihil; 2002: Rp 62.862) - Wesel ekspor - Obligasi korporasi setelah dikurangi/ditambah diskonto atau premi yang belum diamortisasi sebesar Rp 9.724 pada tahun 2004 (2003: Rp 2.154; 2002: Rp nihil)
2003 Nilai tercatat/ Carrying value
Nilai wajar/ Fair value -
60,105 312,832 372,937
-
61,882 -
-
-
3,560 3,560
-
Nilai wajar/ Fair value
30,000
30,000
35,476
Held to maturity: Rupiah Mutual fund units -
-
Corporate bonds net of unamortised discount or premium of Rp 105 in 2004 (2003 and 2002: Rp nil) Other marketable securities Foreign currencies
28,527
462,048 490,575
-
471,568
117,991
82,015 200,006
863,512
203,566
Dikurangi: Penyisihan kerugian
(17,317)
Jumlah dimiliki hingga jatuh tempo – bersih
846,195 2004 Nilai tercatat/ Nilai wajar/ Carrying value/ Fair value
Mata uang asing - Pinjaman exchange offer - Obligasi korporasi
2002 Nilai tercatat/ Carrying value
Nilai wajar/ Fair value
Jumlah dimiliki hingga jatuh tempo
Tersedia untuk dijual: Rupiah - Unit penyertaan reksadana - Obligasi korporasi - Efek hutang lainnya
By type and currency
-
82,060
2,798,476 -
2,798,476
-
Exchange offer loans-net of unamortised discount of Rp nil in 2004 (2003: Rp nil; 2002: Rp 62,862) Trading export bills -
-
Corporate bonds net-of unamortised discount or premium of Rp 9,724 in 2004 (2003: Rp 2,154; 2002: Rp nil)
2,828,476
Total held to maturity
(14,975)
(30,910)
Less: Allowance for possible losses
188,591
2,797,566
Total held to maturity - net
2003 Nilai tercatat/ Nilai wajar/ Carrying value/ Fair value
2002 Nilai tercatat/ Nilai wajar/ Carrying value/ Fair value
41,427 304,390 10,000
39,577 20,000 10,000
-
355,817
69,577
-
172,797 382,780
782,278 -
-
Available for sale: Rupiah Mutual fund units Corporate bonds Other debt securities -
Foreign currencies Exchange offer loans Corporate bonds -
555,577
782,278
-
Jumlah tersedia untuk dijual
911,394
851,855
-
Total available for sale
Diperdagangkan: Rupiah - Sertifikat Bank Indonesia - Obligasi korporasi - Efek hutang lainnya
1,514,030 60,659 -
3,024,667 56,389 18,650
3,642,982 61,920 -
Trading: Rupiah Bank Indonesia Certificates Corporate bonds Other debt securities -
1,574,689
3,099,706
3,704,902
195,944
544 233,815
34,140 173,332
Foreign currencies Trading export bills Corporate bonds Other debt securities -
Mata uang asing - Wesel ekspor - Obligasi korporasi - Surat pengakuan hutang lainnya
-
88,564
-
195,944
322,923
207,472
Jumlah diperdagangkan
1,770,633
3,422,629
3,912,374
Total trading
Jumlah efek-efek
3,528,222
4,463,075
6,709,940
Total marketable securities
LAMPIRAN – 5/23 – SCHEDULE
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
7. EFEK-EFEK (lanjutan) a.
b.
7. MARKETABLE SECURITIES (continued)
Berdasarkan jenis dan mata uang (lanjutan)
By type and currency (continued)
Efek-efek dalam mata uang asing terutama terdiri dari Dolar Amerika Serikat.
Marketable securities in foreign currencies are mainly denominated in United States Dollars.
Pinjaman exchange offer dan wesel ekspor tidak terdaftar di bursa efek.
The exchange offer loans and trading export bills are not listed.
Selama tahun 2004, pinjaman exchange offer sebesar US$ 74.822.694 dengan nilai tercatat Rp 609.481 telah jatuh tempo dan dilunasi.
During 2004, exchange offer loans amounting to US$ 74,822,694 with a total carrying value of Rp 609,481 matured and settled.
Selama tahun 2003, Bank telah menjual pinjaman exchange offer sebesar US$ 113.655.000 dengan nilai tercatat sebesar Rp 920.980. Harga jual atas pinjaman exchange offer tersebut adalah sebesar US$ 113.434.628 atau ekuivalen dengan Rp 970.392. Keuntungan atas penjualan pinjaman exchange offer sebesar Rp 49.412 diakui dalam laporan laba rugi konsolidasian.
During 2003, the Bank sold exchange offer loans amounting to US$ 113,655,000 with a total carrying value of Rp 920,980. The total selling price of these exchange offer loans was US$ 113,434,628 or equivalent to Rp 970,392. The gain on sale of exchange offer loans amounting to Rp 49,412 was recognised in the consolidated statement of income.
Pada tanggal 31 Desember 2004, obligasi korporasi tersebut di atas diperingkat oleh Moody’s berkisar antara B3 dan A3, dan oleh Pefindo berkisar antara idBBB dan idAA-.
As at 31 December 2004, the above corporate bonds are rated by Moody’s between B3 and A3, and by Pefindo between idBBB and idAA-.
Berdasarkan penerbit
Bank Indonesia Bank-bank Korporasi
Dikurangi: Penyisihan kerugian
b. 2003
2002
1,813,709 465,902 1,265,928
3,024,667 942,610 510,773
3,642,982 2,894,206 203,662
3,545,539
4,478,050
6,740,850
(17,317)
(14,975) 4,463,075
Berdasarkan kolektibilitas
Lancar Macet
Dikurangi: Penyisihan kerugian
By issuer
2004
3,528,222
c.
a.
(30,910)
By collectibility
2004
2003
2002
3,545,539 -
4,477,238 812
6,740,850 -
3,545,539
4,478,050
6,740,850
3,528,222
(14,975) 4,463,075
Less: Allowance for possible losses
6,709,940
c.
(17,317)
Bank Indonesia Banks Corporates
(30,910)
Pass Loss
Less: Allowance for possible losses
6,709,940
Manajemen berpendapat bahwa jumlah penyisihan kerugian diatas telah memadai.
LAMPIRAN – 5/24 – SCHEDULE
The Management believes that the above allowance for possible losses is adequate.
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
8.
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
TAGIHAN DAN KEWAJIBAN DERIVATIF
8.
DERIVATIVE RECEIVABLES AND PAYABLES
2004 Nilai wajar/Fair values
Instrumen Kontrak tunai mata uang asing *) Kontrak berjangka mata uang asing Swap mata uang asing Cross currency swaps Kontrak opsi mata uang asing
Jumlah nosional setara dengan/ Notional amount equivalent to
Tagihan derivatif/ Derivative receivables
Kewajiban derivatif/ Derivative payables
Instruments
US$
48,853,290
1,744
1,490
Foreign currency spot*)
US$ US$ US$ US$
15,675,591 183,381,350 21,621,622 7,838,322
826 20,184 112 353 23,219
789 3,560 398 6,237
Foreign currency forward Foreign currency swaps Cross currency swaps Foreign currency options
(233)
-
22,986
6,237
Dikurangi: Penyisihan kerugian
*) Lihat Catatan 2i
Less: Allowance for possible losses
Refer to Note 2i *)
2003 Nilai wajar/Fair values
Instrumen Kontrak berjangka mata uang asing Swap mata uang asing
Jumlah nosional setara dengan/ Notional amount equivalent to US$ US$
Tagihan derivatif/ Derivative receivables
5,600,000 79,500,000
Dikurangi: Penyisihan kerugian
Kewajiban derivatif/ Derivative payables
Instruments
197 534
193 9,606
731
9,799 -
(7) 724
Foreign currency forwards Foreign currency swaps Less: Allowance for possible losses
9,799
2002 Nilai wajar/Fair values
Instrumen Kontrak berjangka mata uang asing Swap mata uang asing
Jumlah nosional setara dengan/ Notional amount equivalent to US$ US$
Tagihan derivatif/ Derivative receivables
1,140,000 2,000,000
Dikurangi: Penyisihan kerugian
Kewajiban derivatif/ Derivative payables
Instruments
29 -
3
29
3
-
-
29
3
Foreign currency forwards Foreign currency swaps Less: Allowance for possible losses
Seluruh tagihan derivatif pada tanggal 31 Desember 2004, 2003 dan 2002 digolongkan sebagai lancar.
All derivative receivables as at 31 December 2004, 2003 and 2002 are classified as pass.
Manajemen berpendapat bahwa jumlah penyisihan kerugian diatas telah memadai.
The Management believes that the above allowance for possible losses is adequate.
LAMPIRAN – 5/25 – SCHEDULE
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
9.
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
PINJAMAN YANG DIBERIKAN
9.
LOANS
Pinjaman yang diberikan kepada pihak-pihak yang mempunyai hubungan istimewa diungkapkan pada Catatan 40. Informasi mengenai jatuh tempo dan tingkat suku bunga diungkapkan pada Catatan 45 dan 46.
Loans to related parties are disclosed in Note 40. Information in respect of maturities and interest rates is disclosed in Notes 45 and 46.
a.
a.
Berdasarkan jenis dan mata uang
By type and currency
2004
Rupiah Konsumsi Modal kerja Investasi Program pemerintah Ekspor Pinjaman direksi dan karyawan
Mata uang asing Konsumsi Modal kerja Investasi Ekspor
Dikurangi: Pendapatan ditangguhkan Penyisihan kerugian Bersih
Lancar/ Pass
Dalam Perhatian Khusus/ Special Mention
10,360,987 9,054,969 3,483,228 208,840
1,373,796 233,642 298,619 2,752
90,396 86,049 65,041 -
50,619 108,355 84,411 750
7,786 38,274 21,172 -
11,883,584 9,521,289 3,952,471 212,342
8,283
-
-
-
-
8,283
23,116,307
1,908,809
241,486
244,135
67,232
25,577,969
6,581 1,824,888 873,489 288,551
116,861 18,570 9,285
650 213,573 454
13,664 307,395 -
49,812 84,752 29,099
6,581 2,005,875 1,497,779 327,389
2,993,509
144,716
214,677
321,059
163,663
3,837,624
26,109,816
2,053,525
456,163
565,194
230,895
29,415,593
(2,059) (136,231)
(73,406) (442,609)
(956) (229,939)
317,873
49,179
(510,324) 25,599,492
Kurang Lancar/ Diragukan/ Substandard Doubtful
(287,494) 1,766,031
Jumlah pinjaman tersebut diatas termasuk pinjaman yang dibeli dari BPPN sebagai berikut:
Macet/ Loss
Jumlah/ Total
-
Rupiah Consumer Working capital Investment Government programs Export Loans to directors and employees
Foreign currencies Consumer Working capital Investment Export
Less: (76,421) Deferred income (1,606,597) Allowance for possible losses 27,732,575
Net
Included in the above loan balances are loans purchased from IBRA as follows: 2004
Dalam Perhatian Khusus/ Special Mention
Lancar/ Pass Pinjaman yang dibeli dari BPPN: - Rupiah - Mata uang asing
Dikurangi: Pendapatan ditangguhkan Penyisihan kerugian
Kurang Lancar/ Substandard
Diragukan/ Doubtful
Macet/ Loss
Jumlah/ Total
12,788
-
169,001
61,173 -
6,203 41,525
67,376 223,314
12,788
-
169,001
61,173
47,728
290,690
(12,788)
-
(2,058) (166,943)
(4,269) (56,904)
(956) (46,772)
(7,283) (283,407)
-
-
-
-
LAMPIRAN – 5/26 – SCHEDULE
-
-
Loans purchased from IBRA: Rupiah Foreign currencies -
Less: Deferred income Allowance for possible losses
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
9.
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
PINJAMAN YANG DIBERIKAN (lanjutan) a.
9.
Berdasarkan jenis dan mata uang (lanjutan)
LOANS (continued) a.
By type and currency (continued)
2003 Dalam Perhatian Khusus/ Special Mention
Lancar/ Pass Rupiah Konsumsi Modal kerja Investasi Program pemerintah Ekspor Pinjaman direksi dan karyawan
Mata uang asing Konsumsi Modal kerja Investasi Ekspor
Diragukan/ Doubtful
Macet/ Loss
Jumlah/ Total
7,356,367 6,276,853 3,106,799 412,230 73,392
420,793 222,732 132,706 980 4,846
64,588 144,872 183,088 3,784 625,241
58,304 43,518 12,920 -
1,540 27,643 13,299 -
7,901,592 6,715,618 3,448,812 416,994 703,479
6,054
-
-
-
-
6,054
17,231,695
782,057
1,021,573
114,742
42,482
19,192,549
7,351 457,639 455,319 210,118
7,877 74,140 -
331,656 453,623 972,239
9,393 340,034 -
162,221 43,418 -
7,351 968,786 1,366,534 1,182,357
1,130,427
82,017
1,757,518
349,427
205,639
3,525,028
18,362,122
864,074
2,779,091
464,169
248,121
22,717,577
Dikurangi: Selisih antara pokok pinjaman dengan harga pembelian pinjaman
Rupiah Consumer Working capital Investment Government programs Export Loans to directors and employees
Foreign currencies Consumer Working capital Investment Export
Less: -
18,362,122 Dikurangi: Pendapatan ditangguhkan (31,725) Penyisihan kerugian (1,109,359) Bersih
Kurang Lancar/ Substandard
17,221,038
864,074
Difference between loan (1,868,511) principal and purchase price
(1,690,022)
(41,804)
(136,685)
1,089,069
422,365
111,436
20,849,066
(63,357) (355,584)
(111,436)
(117,224) (2,455,458)
(124,647)
(22,142) (754,432)
739,427
312,495
Jumlah pinjaman tersebut diatas termasuk pinjaman yang dibeli dari BPPN sebagai berikut:
3,424
-
18,276,384
Less: Deferred income Allowance for possible losses Net
Included in the above loan balances are loans purchased from IBRA as follows: 2003
Dalam Perhatian Khusus/ Special Mention
Lancar/ Pass Pinjaman yang dibeli dari BPPN: - Rupiah - Mata uang asing Dikurangi: Selisih antara pokok pinjaman dengan harga pembelian pinjaman Dikurangi: Pendapatan ditangguhkan Penyisihan kerugian
Kurang Lancar/ Substandard
Diragukan/ Doubtful
Macet/ Loss
Jumlah/ Total
83,102 116,447
-
787,740 1,493,303
5,300 53,761
3,369 162,221
879,511 1,825,732
199,549
-
2,281,043
59,061
165,590
2,705,243
Loans purchased from IBRA: Rupiah Foreign currency Less:
-
-
199,549
-
(31,725) (154,308) 13,516
(1,690,022)
(41,804)
(136,685)
591,021
17,257
28,905
836,732
-
(22,142) (510,388)
(600) (16,657)
(28,905)
(54,467) (710,258)
-
58,491
-
LAMPIRAN – 5/27 – SCHEDULE
-
(1,868,511)
72,007
Difference between loan principal and purchase price Less: Deferred income Allowance for possible losses
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah) 9.
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
PINJAMAN YANG DIBERIKAN (lanjutan) a.
9.
Berdasarkan jenis dan mata uang (lanjutan)
LOANS (continued) a.
By type and currency (continued)
2002
Lancar/ Pass Rupiah Konsumsi Modal kerja Investasi Program pemerintah Ekspor Pinjaman direksi dan karyawan Mata uang asing Konsumsi Modal kerja Investasi Ekspor
Dikurangi: Selisih antara pokok pinjaman dengan harga pembelian pinjaman
Bersih
Kurang Lancar/ Substandard
Diragukan/ Doubtful
Macet/ Loss
Jumlah/ Total
5,596,240 6,184,240 2,186,866 272,173 318,276
360,614 187,799 113,199 29,957 433
60,077 173,887 85,311 157 -
38,028 7,125 58,983 63 -
-
6,054,959 6,553,051 2,444,359 302,350 318,709
50,712
-
-
-
-
50,712
14,608,507
692,002
319,432
104,199
-
15,724,140
4,266 695,265 836,885 338,445
22,749 194,508 -
19,483 357,157 -
4,475 -
-
4,266 737,497 1,393,025 338,445
1,874,861
217,257
376,640
4,475
-
2,473,233
16,483,368
909,259
696,072
108,674
-
18,197,373
Rupiah Consumer Working capital Investment Government programs Export Loans to directors and employees Foreign currencies Consumer Working capital Investment Export
Less: (502,020) 15,981,348
Dikurangi: Penyisihan kerugian
Dalam Perhatian Khusus/ Special Mention
(634,645) 15,346,703
-
-
-
-
909,259
696,072
108,674
-
17,695,353
(127,296)
(208,708)
(98,205)
-
(1,068,854)
781,963
487,364
10,469
-
16,626,499
Jumlah pinjaman tersebut diatas termasuk pinjaman yang dibeli dari BPPN sebagai berikut:
(502,020)
Difference between loan principal and purchase price Less: Allowance for possible losses Net
Include in the above loan balances are loans purchased from IBRA as follows: 2002
Lancar/ Pass Pinjaman yang dibeli dari BPPN: - Rupiah - Mata uang asing Dikurangi: Selisih antara pokok pinjaman dengan harga pembelian pinjaman Dikurangi: Pendapatan ditangguhkan Penyisihan kerugian
Dalam Perhatian Khusus/ Special Mention
Kurang Lancar/ Substandard
Diragukan/ Doubtful
Macet/ Loss
Jumlah/ Total
69,393 573,079
-
-
-
-
69,393 573,079
642,472
-
-
-
-
642,472
Loans purchased from IBRA: Rupiah Foreign currency Less:
(502,020)
-
-
-
-
(502,020)
140,452
-
-
-
-
140,452
-
-
-
-
-
-
-
-
(1,405) 139,047
LAMPIRAN – 5/28 – SCHEDULE
(1,405) 139,047
Difference between loan principal and purchase price Less: Deferred income Allowance for possible losses
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah) 9.
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
PINJAMAN YANG DIBERIKAN (lanjutan) a.
b.
9.
Berdasarkan jenis dan mata uang (lanjutan)
LOANS (continued) a.
By type and currency (continued)
Pinjaman yang diberikan dalam mata uang asing terutama terdiri dari Dolar Amerika Serikat, Dolar Singapura dan Yen.
Loans in foreign currencies are principally denominated in United States Dollars, Singapore Dollars and Yen.
Pada tanggal 31 Desember 2004, rasio pinjaman bermasalah (NPL) gross dan net terhadap total pinjaman yang diberikan adalah masing-masing sebesar 4,00% (2003: 6,77%; 2002: 4,43%) dan 1,25% (2003: 1,39%; 2002: 2,74%).
As at 31 December 2004, the percentage of gross and net non-performing loans (NPL) to total loans is 4.00% (2003: 6.77%; 2002: 4.43%) and 1.25% (2003: 1.39%; 2002: 2.74%) respectively.
Pada tanggal 31 Desember 2004, tidak terdapat pemberian kredit yang tidak memenuhi ketentuan Batas Maksimum Pemberian Kredit yang ditetapkan oleh Bank Indonesia.
As at 31 December 2004, there is no loan granted which does not comply with the Legal Lending Limit requirements of Bank Indonesia.
Pinjaman yang diberikan dijamin dengan agunan yang diikat dengan hipotik, hak tanggungan atau surat kuasa untuk menjual, deposito berjangka dan jaminan lain yang diterima.
Loans are generally collateralised by registered mortgages, powers of attorney to mortgage or sell, time deposits and by other acceptable guarantees.
Berdasarkan sektor ekonomi
b.
By economic sector
2004
Lancar/ Pass Rupiah Perdagangan umum dan distribusi Industri Perumahan Pertanian Jasa bisnis Jasa pelayanan sosial Transportasi Pertambangan Konstruksi Lain-lain
Mata uang asing Perdagangan umum dan distribusi Industri Perumahan Pertanian Jasa bisnis Transportasi Pertambangan Konstruksi Lain-lain
Dikurangi: Pendapatan ditangguhkan Penyisihan kerugian Bersih
Dalam Perhatian Khusus/ Special Mention
Kurang Lancar/ Substandard
Diragukan/ Doubtful
Macet/ Loss
Jumlah/ Total
5,555,453
233,303
65,432
34,273
22,021
5,910,482
3,968,708 2,149,589 626,799 1,264,870 218,088 658,204 50,066 234,743 8,389,787
159,523 226,104 45,652 38,857 7,984 36,198 812 10,415 1,149,961
26,021 32,696 6,062 9,732 3,069 35,880 1,948 2,399 58,247
80,125 19,360 633 29,598 226 47,680 727 31,513
4,248 6,800 678 960 30,792 308 1,425
4,238,625 2,434,549 679,824 1,344,017 229,367 808,754 52,826 248,592 9,630,933
23,116,307
1,908,809
241,486
244,135
67,232
25,577,969
Rupiah General trading and distribution Manufacturing Housing Agriculture Business services Social services Transportation Mining Construction Others
Foreign currencies General trading and distribution Manufacturing Housing Agriculture Business services Transportation Mining Construction Others
221,902 1,529,766 8,727 8,681 754,774 119,978 197,106 8,267 144,308
33,800 110,916 -
213,573 1,104 -
9,021 4,643 307,395
71,139 88,053 4,471 -
549,435 1,734,482 8,727 8,681 754,774 119,978 197,106 12,738 451,703
2,993,509
144,716
214,677
321,059
163,663
3,837,624
26,109,816
2,053,525
456,163
565,194
230,895
29,415,593
(510,324)
(287,494)
(2,059) (136,231)
(73,406) (442,609)
(956) (229,939)
(76,421) (1,606,597)
Less: Deferred Income Allowance for possible losses
25,599,492
1,766,031
317,873
49,179
27,732,575
Net
LAMPIRAN – 5/29 – SCHEDULE
-
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah) 9.
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
PINJAMAN YANG DIBERIKAN (lanjutan) b.
9.
LOANS (continued)
Berdasarkan sektor ekonomi (lanjutan)
b.
By economic sector (continued)
2003 Dalam Perhatian Khusus/ Special Mention
Lancar/ Pass Rupiah Perdagangan umum dan distribusi Industri Perumahan Pertanian Jasa bisnis Jasa pelayanan sosial Transportasi Pertambangan Konstruksi Lain-lain Mata uang asing Perdagangan umum dan distribusi Industri Perumahan Pertanian Jasa bisnis Transportasi Pertambangan Konstruksi Lain-lain
Kurang Lancar/ Substandard
Diragukan/ Doubtful
Macet/ Loss
Jumlah/ Total
3,949,252 2,489,966 1,880,129 568,270 1,594,094 190,663 640,780 38,849 243,167 5,636,525
173,463 39,052 223,620 64,473 34,739 1,960 31,908 210 13,687 198,945
114,724 664,442 40,393 77,975 35,374 6,701 45,214 11,173 1,232 24,345
13,248 34,545 17,285 468 1,003 16 6,475 242 402 41,058
13,037 1,085 17 245 537 22 25,387 629 1,523
4,263,724 3,229,090 2,161,444 711,431 1,665,747 199,362 749,764 50,474 259,117 5,902,396
17,231,695
782,057
1,021,573
114,742
42,482
19,192,549
56,168 875,351 9,776 98,728 49,193 23,733 15,046 2,432
40,440 33,700 7,877 -
676,634 1,076,827 4,057 -
63,154 4,212 282,061
162,221 43,418 -
1,130,427
82,017
1,757,518
349,427
205,639
3,525,028
18,362,122
864,074
2,779,091
464,169
248,121
22,717,577
Dikurangi: Selisih antara pokok pinjaman dengan harga pembelian pinjaman
998,617 1,990,090 9,776 7,877 98,728 49,193 67,151 19,103 284,493
Rupiah General trading and distribution Manufacturing Housing Agriculture Business services Social services Transportation Mining Construction Others Foreign currencies General trading and distribution Manufacturing Housing Agriculture Business services Transportation Mining Construction Others
Less: -
-
(1,690,022)
(41,804)
(136,685)
(1,868,511)
Difference between loan principal and purchase price
18,362,122
864,074
1,089,069
422,365
111,436
20,849,066
Dikurangi: Pendapatan ditangguhkan Penyisihan kerugian
(31,725) (1,109,359)
(124,647)
(22,142) (754,432)
(63,357) (355,584)
(111,436)
(117,224) (2,455,458)
Less: Deferred Income Allowance for possible losses
Bersih
17,221,038
739,427
312,495
3,424
18,276,384
Net
-
2002
Lancar/ Pass Rupiah Perdagangan umum dan distribusi Industri Perumahan Pertanian Jasa bisnis Jasa pelayanan sosial Transportasi Konstruksi Lain-lain Mata uang asing Perdagangan umum dan distribusi Industri Pertanian Jasa bisnis Transportasi Pertambangan Listrik Lain-lain
Dikurangi: Selisih antara pokok pinjaman dengan harga pembelian pinjaman Dikurangi: Penyisihan kerugian Bersih
Dalam Perhatian Khusus/ Special Mention
Kurang Lancar/ Substandard
Diragukan/ Doubtful
Macet/ Loss
Jumlah/ Total
3,204,510 3,195,941 1,385,842 517,336 740,512 567,660 371,322 253,279 4,372,105
152,436 85,395 173,133 33,580 24,762 10,399 16,014 7,535 188,748
20,662 103,695 34,464 21,900 104,815 1,888 472 1,540 29,996
5,440 36,723 19,272 310 1,975 18 21,142 548 18,771
-
3,383,048 3,421,754 1,612,711 573,126 872,064 579,965 408,950 262,902 4,609,620
14,608,507
692,002
319,432
104,199
-
15,724,140
292,370 777,474 98,426 8,678 514,084 183,829
119,454 87,738 10,064 1 -
11,115 60,905 8,368 11,969 46,190 238,093 -
4,475 -
-
1,874,861
217,257
16,483,368
909,259
422,939 930,592 8,368 120,459 8,678 560,274 238,094 183,829
376,640
4,475
-
2,473,233
696,072
108,674
-
18,197,373
Rupiah General trading and distribution Manufacturing Housing Agriculture Business services Social services Transportation Construction Others Foreign currencies General trading and distribution Manufacturing Agriculture Business services Transportation Mining Electricity Others
Less: Difference between loan principal and purchase price
(502,020)
-
-
-
-
(502,020)
15,981,348
909,259
696,072
108,674
-
17,695,353
(634,645)
(127,296)
(208,708)
(98,205)
-
(1,068,854)
Less: Allowance for possible losses
15,346,703
781,963
487,364
10,469
-
16,626,499
Net
LAMPIRAN – 5/30 – SCHEDULE
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
9.
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
PINJAMAN YANG DIBERIKAN (lanjutan) c.
9.
Pinjaman yang direstrukturisasi
LOANS (continued) c.
Restructured loans
Pinjaman yang direstrukturisasi meliputi antara lain penjadwalan ulang pembayaran pokok pinjaman dan bunga, penyesuaian tingkat suku bunga, pengurangan tunggakan bunga dan penambahan fasilitas pinjaman.
Pinjaman yang direstrukturisasi Dikurangi: Penyisihan kerugian
d.
2004
2003
1,045,483
1,050,421
Restructured loans consist of loans with rescheduled principal and interest payments, adjusted interest rates, reduced overdue interest, and increased loan facilities.
2002
330,831
(453,309)
(480,726)
(44,964)
592,174
569,695
285,867
Pinjaman sindikasi
d.
Pinjaman sindikasi merupakan pinjaman yang diberikan kepada debitur berdasarkan perjanjian pembiayaan bersama (sindikasi) dengan bankbank lain. Jumlah pinjaman sindikasi pada tanggal 31 Desember 2004 adalah sebesar Rp 326.397 (2003: Rp 1.020.298; 2002: Rp 553.075). Keikutsertaan Bank dalam pinjaman sindikasi sebagai anggota berkisar antara 3,71% - 35,5% (2003: 6,20% - 78,99%; 2002: 1,30% - 70,70%) dari masing-masing fasilitas pinjaman. e.
Pinjaman yang dibeli dari BPPN
Restructured loans Less: Allowance for possible losses
Syndicated loans Syndicated loans represent loans provided to debtors under syndication agreements with other banks. Total syndicated loans as at 31 December 2004 amounts to Rp 326,397 (2003: Rp 1,020,298; 2002: Rp 553,075). The participation of the Bank as a member of syndications ranges from 3.71% - 35.5% (2003: 6.20% - 78.99%; 2002: 1.30% - 70.70%) of each syndicated loan facility.
e.
Loans purchased from IBRA
Total pinjaman yang dibeli dari BPPN sampai dengan 31 Desember 2004 adalah sebesar Rp 7.829.245 (2003: Rp 7.829.245; 2002: Rp 7.954.338) dengan harga beli Rp 1.337.135 (2003: Rp 1.337.135; 2002: Rp 1.215.846).
Total loans purchased from IBRA as at 31 December 2004 amounted to Rp 7,829,245 (2003: Rp 7,829,245; 2002: Rp 7,954,338) with a purchase price of Rp 1,337,135 (2003: Rp 1,337,135; 2002: Rp 1,215,846).
Dari harga pembelian tersebut sebesar Rp 594.877 (2003: Rp 594.877; 2002: Rp nihil) telah dibuatkan perjanjian kredit baru dengan debitur.
For loans with a total purchase price of Rp 594,877 (2003: Rp 594,877; 2002: Rp nil), new credit agreements have been signed with debtors.
LAMPIRAN – 5/31 – SCHEDULE
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
9.
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
PINJAMAN YANG DIBERIKAN (lanjutan) e.
9.
Pinjaman yang dibeli dari BPPN (lanjutan)
LOANS (continued) e.
Loans purchased from IBRA (continued)
Selama tahun 2004, Bank menerima pelunasan sebesar Rp 432.050 (2003: Rp 351.276; 2002: Rp 94.180) atas pokok kredit Rp 605.058 (2003: Rp 1.473.075; 2002: Rp 296.560) dengan penyisihan kerugian sebesar Rp 605.058 (2003: Rp 1.154.057; 2002: Rp 217.085). Nilai pokok kredit dan penyisihan kerugian untuk tahun 2004 adalah setelah dikurangi dengan selisih antara pokok pinjaman dengan harga pembelian. Nilai pokok kredit yang tidak dilunasi sebesar Rp 187.663 (2003 dan 2002: Rp nihil) dihapus-bukukan, sedangkan kelebihan penerimaan karena pelunasan di atas pokok kredit sebesar Rp 14.655 (2003: Rp 32.258; 2002: Rp 14.705) dicatat sebagai pendapatan lain-lain.
During 2004, the Bank received settlements of Rp 432,050 (2003: Rp 351,276; 2002: Rp 94,180) on loan principal balances of Rp 605,058 (2003: Rp 1,473,075; 2002: Rp 296,560) with an allowance for possible losses of Rp 605,058 (2003: Rp 1,154,057; 2002: Rp 217,085). In 2004, the loan principal balances and allowance for possible losses were netted off with the balance of the difference between loan principal and purchase price. The remaining unpaid loan principal of Rp 187,663 (2003 and 2002: Rp nil) was written-off, while the excess of loan settlement over the loan principal balance of Rp 14,655 (2003: Rp 32,258; 2002: Rp 14,705) was recorded as other income.
Berikut adalah ikhtisar perubahan kredit yang dibeli dari BPPN selama tahun berjalan:
Below is the summary movement of loans purchased from IBRA during the year:
2004 Pokok pinjaman Saldo 1 Januari Pembelian kredit dari BPPN di mana perjanjian pengalihan piutang ditandatangani di tahun berjalan Penerimaan pinjaman selama tahun berjalan Penghapus-bukuan selama tahun berjalan Penyesuaian karena penjabaran mata uang asing Saldo 31 Desember
2003
2,705,243
642,472
-
248,521
6,749,517
942,817
(432,050)
(1,473,075)
(296,560)
(2,338,085)
(3,171,975)
107,061 290,690
Selisih antara pokok pinjaman dengan harga pembelian pinjaman dan penyisihan kerugian Saldo 1 Januari (2,578,769) Selisih antara pokok pinjaman dan harga pembelian (213,728) Penambahan penyisihan kerugian selama tahun berjalan (156,950) Penerimaan pinjaman selama tahun berjalan 417,395 Penghapus-bukuan selama tahun berjalan 2,290,387 Penyesuaian karena penjabaran mata uang asing (41,742) Saldo 31 Desember
2002
(283,407) 7,283
-
(41,696)
(3,785)
2,705,243
642,472
(503,425)
-
(5,656,768)
(722,586)
(723,516)
(1,405)
1,154,057
217,085
3,066,374
-
84,509
3,481
(2,578,769)
(503,425)
126,474
LAMPIRAN – 5/32 – SCHEDULE
139,047
Loan principal Balance as at 1 January Loans purchased from IBRA where the cessie receivables agreement was signed during the year Loan repayments during the year Write-offs during the year Foreign exchange translation adjustment Balance as at 31 December
Difference between loan principal and purchase price and allowance for possible losses Balance as at 1 January Difference between loans principal and purchase price Increase in allowance for possible losses during the year Loan repayments during the year Write-offs during the year Foreign exchange translation adjustment Balance as at 31 December
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
9.
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
PINJAMAN YANG DIBERIKAN (lanjutan) e.
9.
LOANS (continued)
Pinjaman yang dibeli dari BPPN (lanjutan) 2004 Pendapatan ditangguhkan Saldo 1 Januari Selisih antara harga pembelian dengan nilai pinjaman setelah perjanjian baru Penerimaan pinjaman selama tahun berjalan Penghapus-bukuan selama tahun berjalan Penyesuaian karena penjabaran mata uang asing Saldo 31 Desember
e. 2003
(54,467)
2002 -
(535)
-
(7,283)
(54,467)
-
Balance as at 31 December
139,047
Net
-
-
33,770
-
-
-
72,007
As at 31 December 2004, loans with a purchase price of Rp nil (2003: Rp 6,954; 2002: Rp 498,428) are recorded as advances on the basis that the cessie receivable agreements were in the process of finalisation during the year (see Note 16). Cessie receivable agreements on loans purchased in 2003 with advance of Rp 6,954 is signed on 26 February 2004.
f.
Perubahan penyisihan kerugian adalah sebagai berikut: 2004
2003
1,745,200
1,067,449
Allowance for possible losses Movements in the allowance for possible losses are as follows: 2002 693,536
Balance as at 1 January
(164,380)
601,999
263,773
(73,346)
287,737
422,074
(Decrease)/Increase in allowance for possible losses during the year Reclassification (to) / from other reserves
163,380
156,811
128,292
Bad debt recoveries
(326,797)
(354,911)
(424,377)
(20,867)
(13,885)
(15,849)
1,323,190
Saldo 31 Desember
-
14,100
Penyisihan kerugian
Ditambah: Pinjaman yang dibeli dari BPPN: - Selisih antara pokok pinjaman dengan harga pembelian pinjaman - Penyisihan kerugian
Deferred income Balance as at 1 January
(686)
(53,932)
Pada tanggal 31 Desember 2004, pinjaman dengan harga pembelian sebesar Rp nihil (2003: Rp 6.954; 2002: Rp 498.428) dibukukan sebagai uang muka karena perjanjian pengalihan piutang masih dalam proses finalisasi dalam tahun berjalan (lihat Catatan 16). Perjanjian pengalihan piutang atas pinjaman yang dibeli di tahun 2003 dengan uang muka Rp 6.954 telah ditandatangani pada tanggal 26 Pebruari 2004.
Saldo 1 Januari (Pengurangan)/Penambahan penyisihan kerugian selama tahun berjalan Reklasifikasi (ke) / dari cadangan lain-lain Penerimaan atas pinjaman yang telah dihapus-bukukan Penghapus-bukuan selama tahun berjalan Penyesuaian karena penjabaran mata uang asing
-
Difference between purchase price and new credit value Loan repayments during the year Write-offs during the year Foreign exchange translation adjustment
-
Bersih
f.
Loans purchased from IBRA (continued)
1,745,200
Write-offs during the year Foreign exchange translation adjustment
1,067,449 Add: Loans purchased from IBRA:
283,407
1,868,511 710,258
502,020 1,405
Difference between loan principal and purchase price Allowance for possible losses -
1,606,597
4,323,969
1,570,874
Balance as at 31 December
LAMPIRAN – 5/33 – SCHEDULE
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
9.
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
PINJAMAN YANG DIBERIKAN (lanjutan) f.
9.
Penyisihan kerugian (lanjutan)
LOANS (continued) f.
Manajemen berpendapat bahwa jumlah penyisihan kerugian diatas telah memadai. g.
Pembiayaan bersama
The Management believes that the above allowance for possible losses is adequate. g.
Bank mengadakan perjanjian pemberian fasilitas pembiayaan bersama dengan beberapa lembaga pembiayaan untuk membiayai kepemilikan kendaraan bermotor. Risiko kredit berada pada debitur lembaga pembiayaan tersebut. Jumlah saldo fasilitas pembiayaan bersama pada tanggal 31 Desember 2004 adalah sebesar Rp 4.692.956, saldo ini termasuk dalam “pinjaman konsumsi” (lihat Catatan 9a) (2003: Rp 1.355.120; 2002: Rp 1.607.045). h.
i.
Kredit kelolaan
Allowance for possible losses (continued)
Joint financing The Bank has entered into joint financing agreements with several multi-finance companies for financing retail purchases of vehicles. The ultimate credit risk is with the customers of the multi-finance companies. The outstanding balance of these agreements as at 31 December 2004 is Rp 4,692,956 included under “consumer loans” (see Note 9a) (2003: Rp 1,355,120; 2002: Rp 1,607,045).
h.
Channelling loans
Kredit kelolaan adalah kredit yang diterima oleh Bank dari Bank Indonesia untuk diteruskan membiayai proyek-proyek pertanian di Indonesia. Bank tidak menanggung risiko atas kredit kelolaan yang diteruskan jika proses pemberian kredit telah sesuai dengan ketentuan yang disyaratkan oleh Bank Indonesia. Oleh karena itu kredit kelolaan ini dicatat sebagai kewajiban kontinjensi (lihat Catatan 39).
Channelling loans are loans received by the Bank from Bank Indonesia to be channelled to finance agriculture projects in Indonesia. The Bank bears no credit risk on these loans if loan channelling processes are in accordance with Bank Indonesia’s requirements. Therefore, these loans are recorded as contingent liabilities (see Note 39).
Pada tanggal 31 Desember 2004 saldo kredit kelolaan adalah Rp 352.024 (2003: Rp 352.561; 2002: Rp 354.026).
At 31 December 2004, the balance of channelling loans is Rp 352,024 (2003: Rp 352,561; 2002: Rp 354,026).
Lain-lain
i.
Bank juga mengadakan perjanjian dengan beberapa lembaga pembiayaan untuk pengambilalihan piutang pembiayaan konsumen. Untuk perjanjian piutang tanpa recourse, risiko kredit berada pada debitur lembaga pembiayaan, sedangkan untuk perjanjian dengan recourse, risiko kredit berada pada lembaga pembiayaan. Jumlah saldo fasilitas yang dibiayai Bank pada tanggal 31 Desember 2004 untuk perjanjian dengan dan tanpa recourse adalah sebesar Rp 1.858.165 dan Rp 1.606.597 (2003: Rp 2.619.970 dan Rp 130.776; 2002: Rp 1.607.045 dan Rp 126.486).
Others The Bank has also entered into agreements with several multi-finance companies taking over consumer financing receivables. For agreements without recourse, the ultimate credit risk is with the customers of the multi-finance companies, whilst for the agreements with recourse, the ultimate credit risk is with the respective finance companies. The outstanding balance with and without recourse as at 31 December 2004 is Rp 1,858,165 and Rp 1,606,597, respectively (2003: Rp 2,619,970 and Rp 130,776; 2002: Rp 1,607,045 and Rp 126,486, respectively).
LAMPIRAN – 5/34 – SCHEDULE
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
9.
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
PINJAMAN YANG DIBERIKAN (lanjutan) j.
9.
LOANS (continued)
Informasi pokok lainnya sehubungan dengan pinjaman yang diberikan
j. Other significant information relating to loans
Termasuk dalam pinjaman yang diberikan, pada tanggal 31 Desember 2004 adalah pembiayaan syariah sebesar Rp 180.785 (2003: Rp 120.416; 2002: Rp 29.258).
10. PIUTANG PEMBIAYAAN KONSUMEN
Included in loans denominated in Rupiah as at 31 December 2004 is syariah financing amounting to Rp 180,785 (2003: Rp 120,416; 2002: Rp 29,258).
10. CONSUMER FINANCING RECEIVABLES
Informasi mengenai jatuh tempo dan tingkat suku bunga diungkapkan pada Catatan 45 dan 46.
Information in respect of maturities and interest rates is disclosed in Notes 45 and 46.
Piutang pembiayaan konsumen Anak Perusahaan adalah:
The Subsidary’s consumer financing receivables are:
2004 Pihak ketiga Piutang pembiayaan konsumen bruto
2003
9,739,196
2002
-
-
Third parties Consumer financing receivables gross
Dikurangi: Bagian pinjaman yang dibayar pihak lainnya
Less: Amount financed by other parties (6,333,653)
-
-
Pendapatan pembiayaan konsumen yang belum diakui
(2,535,923)
-
-
Unearned consumer financing income
Penyisihan kerugian
(23,808)
-
-
Allowance for possible losses
Bersih
845,812
-
-
Net
Suku bunga efektif per tahun berkisar antara 19,60% 47,80% untuk tahun 2004.
Effective annual interest rates were between 19.60% - 47.80% for the year 2004.
Sebagai jaminan atas pinjaman yang diberikan, Anak Perusahaan menerima jaminan dari konsumen berupa Bukti Pemilikan Kendaraan Bermotor (BPKB) dari kendaraan bermotor yang dibiayai.
The receivables are secured by fiduciary transfers of vehicles subject to finance whereby the Subsidiary receives the motor vehicle ownership certificates (BPKB).
Piutang pembiayaan konsumen yang dijadikan jaminan atas obligasi yang diterbitkan dan fasilitas pinjaman yang diterima Anak Perusahaan per tanggal 31 Desember 2004 seperti yang dijelaskan pada Catatan 21 dan 22 adalah sejumlah Rp 500.000 dan Rp 317.563.
The total of consumer financing receivables which were pledged as collateral for bonds issued and borrowing facilities granted to the Subsidiary as at 31 December 2004 as disclosed in Notes 21 and 22 amounts to Rp 500,000 and Rp 317,563.
LAMPIRAN – 5/35 – SCHEDULE
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
10. PIUTANG PEMBIAYAAN KONSUMEN (lanjutan)
10. CONSUMER FINANCING RECEIVABLES (continued)
Penyisihan kerugian
Allowance for possible losses
Perubahan penyisihan kerugian adalah sebagai berikut:
Movements in the allowance for possible losses are as follows:
2004 Saldo 1 Januari Penambahan penyisihan kerugian selama tahun berjalan Penghapus-bukuan selama tahun berjalan Saldo 31 Desember
2003
2002
32,362
-
-
48,415
-
-
Balance at 1 January Increase in allowance for possible losses during the year
(56,969)
-
-
Write-offs during the year
23,808
-
-
Balance at 31December
Manajemen berpendapat bahwa jumlah penyisihan kerugian diatas telah memadai.
The Management believes that the above allowance for possible losses is adequate.
11. TAGIHAN AKSEPTASI
11. ACCEPTANCE RECEIVABLES 2004
Pihak ketiga Rupiah Mata uang asing Dikurangi: Penyisihan kerugian
2003
2002
522,884
1,531 417,778
180,466
522,884
419,309
180,466
(5,835) 517,049
(7,197)
(2,722)
412,112
Manajemen berpendapat bahwa jumlah kerugian diatas telah memadai. 12. OBLIGASI PEMERINTAH
Third parties Rupiah Foreign currencies Less: Allowance for possible losses
177,744
The Management believes that the above allowance for possible losses is adequate. 12. GOVERNMENT BONDS
Informasi mengenai jatuh tempo dan tingkat suku bunga diungkapkan pada Catatan 45 dan 46.
Information in respect of maturities and interest rates is disclosed in Notes 45 and 46.
a.
a.
Berdasarkan jenis 2004 Dimiliki hingga jatuh tempo - Suku bunga tetap - Suku bunga mengambang Tersedia untuk dijual - Suku bunga tetap - Suku bunga mengambang Diperdagangkan - Suku bunga tetap - Suku bunga mengambang Jumlah
By type
2003
2002
2,370,346 9,586,428
1,945,957 9,586,428
945,957 7,741,122
11,956,774
11,532,385
8,687,079
5,074,530 3,096
4,755,908 3,058,930
-
5,077,626
7,814,838
-
289,789 -
809,455 1,077,018
2,655,016 4,297,629
289,789
1,886,473
6,952,645
17,324,189
21,233,696
15,639,724
LAMPIRAN – 5/36 – SCHEDULE
Held to maturity Fixed interest rate Floating interest rate Available for sale Fixed interest rate Floating interest rate Trading Fixed interest rate Floating interest rate Total
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
12. OBLIGASI PEMERINTAH (lanjutan) a.
12. GOVERNMENT BONDS (continued)
Berdasarkan jenis (lanjutan)
a.
By type (continued)
Pada tanggal 31 Desember 2004 termasuk dalam Obligasi Pemerintah yang dimiliki hingga jatuh tempo, sejumlah Rp 1.000.000 (2003: Rp 1.000.000; 2002: Rp 1.422.450) merupakan obligasi yang dijual dengan janji dibeli kembali. Kewajiban atas pembelian kembali Obligasi Pemerintah sebesar Rp 1.000.000 (2003: Rp 1.000.000; 2002: Rp 1.500.000) disajikan pada akun “Efek yang dijual dengan janji dibeli kembali”. Baik Obligasi Pemerintah yang dijaminkan maupun kewajiban atas pembelian kembali Obligasi Pemerintah jatuh tempo tanggal 15 Juli 2007.
At 31 December 2004 included in the Government Bonds classified as held to maturity is an amount of Rp 1,000,000 (2003: Rp 1,000,000; 2002: Rp 1,422,450) which represents bonds sold under repurchase agreements. The corresponding liability in relation to this agreement of Rp 1,000,000 (2003: Rp 1,000,000; 2002: Rp 1,500,000) is presented under the account “Securities sold under repurchase agreements”. Both pledged Government Bonds and liability in relation to the repurchase agreement are due on 15 July 2007.
Obligasi Pemerintah dengan nilai nominal sebesar Rp 17.405.209 (2003: Rp 12.764.219; 2002: Rp 15.815.640) telah dijual selama tahun 2004 pada harga yang berkisar antara 96,58 % - 124,20% (2003: 97,00% - 110,30%; 2002: 70,00% 104,35%). Jumlah tersebut termasuk penjualan Obligasi Pemerintah kepada reksadana yang dikelola oleh pihak ketiga, dengan nilai nominal sebesar Rp nihil pada tahun 2004 (2003: Rp 7.772.949; 2002: Rp 10.962.754) dengan harga jual Rp nihil (2003: Rp 7.773.173; 2002: Rp 9.497.208). Sementara itu Obligasi Pemerintah dengan nilai nominal sebesar Rp 12.802.178 telah dibeli selama tahun 2004 pada harga yang berkisar antara 79,20% - 124,20% (2003: Rp 18.720.647 pada harga berkisar antara 72,28% - 100,20%; 2002: Rp 2.866.786 pada harga berkisar antara 70,09% - 100,25%). Termasuk dalam jumlah pembelian tahun 2003 sejumlah Rp 18.140.018 (2002: Rp 1.781.324) pembelian Obligasi Pemerintah dari reksadana yang dikelola oleh pihak ketiga, dengan harga beli Rp 16.886.827 (2002: Rp 1.517.459).
Government Bonds with total nominal value of Rp 17,405,209 (2003: Rp 12,764,219; 2002: Rp 15,815,640) have been sold during 2004 at prices ranging from 96.58 % - 124.20% (2003: 97.00% - 110.30%; 2002: 70.00% - 104.35%). This included the sale of bonds to a mutual fund managed by a third party, with a nominal amount of Rp nil for 2004 (2003: Rp 7,772,949; 2002: Rp 10,962,754) at a total sale price of Rp nil (2003: Rp 7,773,173; 2002: Rp 9,497,208). Government Bonds with total nominal value of Rp 12,802,178 have been bought during 2004 at prices ranging from 79.20% - 124.20% (2003: Rp 18,720,647 at prices ranging from 72.28% - 100.20%; 2002: Rp 2,866,786 at price ranging from 70.09% 100.25%). Included in the amount above in 2003 is the Rp 18,140,018 (2002: Rp 1,781,324) of bonds purchased from a mutual fund managed by a third party, at a total purchase price of Rp 16,886,827 (2002: Rp 1,517,459).
Sebelum 7 Oktober 2003, Bank menjamin hasil investasi atas unit penyertaan reksadana ini ke investor, dan kelebihan hasil investasi sesungguhnya dengan hasil investasi yang dijamin merupakan keuntungan Bank. Selisih antara hasil investasi yang dijamin dan nilai aktiva bersih unit penyertaan reksadana diakui sebagai keuntungan atau kerugian dalam laporan laba rugi konsolidasian. Sejak tanggal 7 Oktober 2003 Bank tidak lagi menjamin hasil investasi atas unit penyertaan reksadana guna memenuhi Surat Edaran Bank Indonesia tanggal 3 Oktober 2003 tentang “Prinsip Kehati-hatian bagi Bank dalam melakukan kegiatan yang terkait dengan reksadana”. Bank mengakui keuntungan yang telah direalisasi atas produk ini Rp 133.868 di tahun 2003 dan Rp 133.727 di tahun 2002.
Prior to 7 October 2003, the Bank guaranteed the return of these mutual fund units to investors, and actual returns in excess of this guaranteed return are for the benefit of the Bank. The difference between the guaranteed return and net asset value of the mutual fund units is credited or charged to the consolidated statement of income. Since 7 October 2003, the Bank terminated the guarantee in order to comply with a Decree of Bank Indonesia dated 3 October 2003, titled “Prudent Principles for Banks in conducting mutual fund activities”. The Bank recognised realised gains of this product of Rp 133,868 in 2003 and Rp 133,727 in 2002.
LAMPIRAN – 5/37 – SCHEDULE
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
12. OBLIGASI PEMERINTAH (lanjutan) a.
b.
12. GOVERNMENT BONDS (continued)
Berdasarkan jenis (lanjutan)
a.
By type (continued)
Pada tanggal 31 Desember 2004, nilai pasar Obligasi Pemerintah yang dimiliki hingga jatuh tempo dengan tingkat suku bunga tetap berkisar antara 100,00% - 107,19% (2003: 100,44% 107,66%; 2002: 91,64% - 104,23%) dari nilai nominal obligasi. Tidak tersedia nilai pasar yang dapat diandalkan atas Obligasi Pemerintah milik Bank dengan tingkat suku bunga mengambang di tahun 2004 dan 2003. (2002: 98,70% - 100,15%) .
As at 31 December 2004, the market value of Government Bonds held to maturity with fixed interest rates ranges from 100.00% - 107.19% (2003: 100.44% - 107.66%; 2002: 91.64% 104.23%) of the nominal amounts. There is no reliable market value available for the Bank’s Government Bonds with floating interest rates in 2004 and 2003 (2002: 98.70% - 100.15%).
Selama tahun 2004, kerugian atas penurunan nilai wajar atas Obligasi Pemerintah dalam klasifikasi diperdagangkan yang dibebankan sebagai realisasi penggunaan “kompensasi biaya penggabungan usaha” sebesar Rp nihil (2003: Rp nihil; 2002: Rp 637.394) (lihat Catatan 24), dan yang diakui sebagai beban dalam laporan laba rugi konsolidasian sebesar Rp 1.443 (2003: Rp 20.323; 2002: Rp 147.966). Akumulasi keuntungan yang belum direalisasi atas kenaikan nilai wajar atas Obligasi Pemerintah dalam klasifikasi tersedia untuk dijual yang dicatat di bagian ekuitas sebesar Rp 798.928 selama tahun 2004 (2003: Rp 754.586; 2002: Rp nihil).
During 2004, net losses arising from the decrease in fair value of Government Bonds classified as trading securities were charged against the “compensation for merger costs account” amounting to Rp nil (2003: Rp nil; 2002: Rp 637,394) (see Note 24), and to the consolidated statement of income amounting to Rp 1,443 (2003: Rp 20,323; 2002: Rp 147,966). Accumulated unrealised gains arising from the increase in fair value of Government Bonds classified as available for sales securities recorded in the equity section amounted to Rp 798,928 during 2004 (2003: Rp 754,586; 2002: Rp nil).
Bank mengakui keuntungan bersih atas penjualan Obligasi Pemerintah sejumlah Rp 426.921 selama tahun 2004 (2003: Rp 746.657; 2002: Rp 130.096).
The Bank recognised a gain from the sale of Government Bonds amounting to Rp 426,921 during 2004 (2003: Rp 746,657; 2002: Rp 130,096).
Program reprofiling
b.
Reprofiling program
Pada tanggal 25 Pebruari 2003, Pemerintah Indonesia melaksanakan program reprofiling Obligasi Pemerintah dengan menarik dan menyatakan lunas Obligasi Pemerintah tertentu. Sebagai pengganti Obligasi Pemerintah yang dilunasi tersebut, Departemen Keuangan menerbitkan Obligasi Pemerintah baru.
On 25 February 2003, the Government of Indonesia launched a reprofiling program of Government Bonds by withdrawing and declaring settlement of certain Government Bonds. The Ministry of Finance issued new Government Bonds to replace the settled Government Bonds.
Berdasarkan progam ini, Obligasi Pemerintah milik Bank sebesar Rp 7.800.000 (nilai nominal) dan masa jatuh tempo pada awalnya berkisar antara 2007 – 2009 telah ditarik dan diganti dengan Obligasi Pemerintah baru, yang memiliki jenis dan nilai nominal yang sama dan masa jatuh tempo antara 2014 – 2015.
Under this program, the Bank’s Government Bonds amounting to Rp 7,800,000 (nominal value) with original maturities between 2007 – 2009 were withdrawn and replaced by new Government Bonds, with the same principal amount and type and maturities between 2014 – 2015.
LAMPIRAN – 5/38 – SCHEDULE
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
13. PENYERTAAN
13. INVESTMENTS
Investasi dicatat menggunakan:
Biaya perolehan/ Cost 2004 2003 2002
Metode ekuitas Metode biaya
42,465 25,430
3,750 26,024
Bagian Bank atas laba bersih/ Bank’s share of net income 2004 2003 2002
3,750 29,329
9,142 -
13,015 -
Nilai tercatat/ Carrying value 2004 2003 2002
10,452 -
51,607 25,430 77,037
Dikurangi: Penyisihan penurunan nilai investasi
16,765 26,024 42,789
(414) 76,623
Investments recorded under:
14,202 29,329 43,531
Equity method Cost method
(1,874)
(4,548)
40,915
38,983
Less: Allowance for diminution in value
Manajemen berpendapat bahwa jumlah penyisihan penurunan nilai investasi di atas telah memadai.
The Management believes that the above allowance for diminution in value is adequate.
Penyertaan jangka panjang pada perusahaan asosiasi tersebut di atas mencakup:
The above long term investments include:
Nama perusahaan/Company’s name Metode ekuitas/Equity method PT DBS Vickers Securities Indonesia PT ITC (Itochu) Adira Multi Finance Metode biaya/Cost method PT Korea Exchange Bank Danamon PT Bank Woori Indonesia PT Bank Chinatrust Indonesia Lain-lain/Others
Kegiatan usaha/Business activity Sekuritas/Securities Perusahaan Pembiayaan/ Financing Company
25%
25%
25%
25%
-
-
15% 4.81% 1%
15% 4.81% 1%
Bank/Banking 15% Bank/Banking 4.81% Bank/Banking 1% Modal Ventura, Telekomunikasi/ Joint Venture, Telecommunication 0.24% - 5.28%
14. GOODWILL
0.26% - 19.99% 0.26% - 19.99%
14. GOODWILL
Goodwill timbul dari pembelian 75% dari jumlah saham yang dikeluarkan oleh Anak Perusahaan (PT Adira Dinamika Multi Finance (ADMF)) (lihat Catatan 1c). 2004 Harga perolehan Nilai wajar aktiva bersih ADMF – 75% Goodwill
2004
Persentase kepemilikan/ Percentage of ownership 2003 2002
Goodwill arose from the purchase of 75% of the issued shares of the Subsidiary (PT Adira Dinamika Multi Finance (ADMF)) (see Note 1c).
2003
2002
850,000
-
-
(154,211) 695,789
-
-
Acquisition costs Fair value of net assets of ADMF – 75% Goodwill
Dikurangi: Akumulasi amortisasi
(86,974)
-
-
Less: Accumulated amortisation
Nilai buku bersih
608,815
-
-
Net book value
86,974
-
-
Amortisation expense during the year (see Note 35)
Beban amortisasi selama tahun berjalan (lihat Catatan 35)
LAMPIRAN – 5/39 – SCHEDULE
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
15. AKTIVA TETAP
15. FIXED ASSETS 2004 1 Januari / January 2004
Harga perolehan/ nilai revaluasi Tanah Bangunan Perlengkapan kantor Kendaraan bermotor
Aktiva dalam penyelesaian Akumulasi penyusutan Bangunan Perlengkapan kantor Kendaraan bermotor
Nilai buku bersih
Penambahan/ Additions
Pengurangan/ Disposals
31 Desember / December 2004 Cost/ revalued amount Land Buildings Office equipment Motor vehicles
233,634 153,875 782,041 22,649
306,453 296,124 97,502 126,910
4,939 2,777 105,815 17,106
535,148 447,222 773,728 132,453
1,192,199
826,989
130,637
1,888,551
-
40,078
-
40,078
Assets under construction Accumulated depreciation Buildings Office equipment Motor vehicles
35,297 521,186 20,363
15,216 121,393 11,649
3,371 77,366 12,909
47,142 565,213 19,103
576,846
148,258
93,646
631,458 1,297,171
615,353
Net book value
Pada tahun 2001, Bank melakukan penilaian kembali atas tanah dan bangunan dalam rangka kuasireorganisasi (lihat Catatan 50). Penilaian kembali tersebut dilakukan oleh perusahaan penilai independen (PT Laksa Laksana). Dalam menentukan nilai wajar, perusahaan penilai menggunakan pendekatan “metode nilai pasar”.
In 2001, the Bank revalued land and buildings due to quasi-reorganisation (see Note 50). The revaluation was performed by an independent appraisal company (PT Laksa Laksana). In determining the fair value, the independent appraisal company used the “market value approach”.
Termasuk dalam penambahan aktiva tetap di tahun 2004 adalah tanah sebesar Rp 275.484 dan bangunan sebesar Rp 211.262 yang direklasifikasikan dari akun “uang muka pembelian pinjaman sindikasi” (lihat Catatan 16). Selain itu yang termasuk di dalam penambahan di tahun 2004 adalah saldo harga perolehan dan akumulasi penyusutan aktiva tetap Anak Perusahaan pada tanggal 1 Januari 2004 masingmasing sebesar Rp 95.389 dan Rp 19.544.
Included in 2004 additions of fixed assets are land of Rp 275,484 and buildings of Rp 211,262 reclassified from account “advance for syndicated loan purchased” (see Note 16). Also included in 2004 additions of fixed assets is the beginning balance of acquisition cost and accumulated depreciation of the Subsidiary’s fixed assets as per 1 January 2004 of Rp 95,389 and Rp 19,544, respectively.
Pada tanggal 31 Desember 2004, tanah milik Anak Perusahaan senilai Rp 17.226 dijadikan jaminan atas fasilitas pinjaman yang diterima oleh Anak Perusahaan (lihat Catatan 22).
As at 31 December 2004, land owned by the Subsidiary of Rp 17,226 is pledged as collateral for borrowing facilities granted to the Subsidiary (see Note 22).
LAMPIRAN – 5/40 – SCHEDULE
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
15. AKTIVA TETAP (lanjutan)
15. FIXED ASSETS (continued) 2003
1 Januari / January 2003 Harga perolehan/ nilai revaluasi Tanah Bangunan Perlengkapan kantor Kendaraan bermotor Akumulasi penyusutan Bangunan Perlengkapan kantor Kendaraan bermotor
Nilai buku bersih
Penambahan/ Additions
Pengurangan/ Disposals
31 Desember / December 2003
239,499 204,273 652,841 74,392
355 7,557 145,526 836
6,220 57,955 16,326 52,579
233,634 153,875 782,041 22,649
1,171,005
154,274
133,080
1,192,199
68,709 374,131 61,780
12,075 160,064 6,718
45,487 13,009 48,135
35,297 521,186 20,363
504,620
178,857
106,631
576,846
666,385
615,353
Cost/ revalued amount Land Buildings Office equipment Motor vehicles Accumulated depreciation Buildings Office equipment Motor vehicles
Net book value
2002 1 Januari / January 2002 Harga perolehan/ nilai revaluasi Tanah Bangunan Perlengkapan kantor Kendaraan bermotor
Akumulasi penyusutan Bangunan Perlengkapan kantor Kendaraan bermotor
Nilai buku bersih
Penambahan/ Additions
Pengurangan/ Disposals
31 Desember / December 2002
234,884 184,036 322,900 76,490
4,615 20,237 330,691 1,256
750 3,354
239,499 204,273 652,841 74,392
818,310
356,799
4,104
1,171,005
57,934 231,701 49,426
10,775 142,963 14,622
533 2,268
68,709 374,131 61,780
339,061
168,360
2,801
504,620 666,385
479,249
Cost/ revalued amount Land Buildings Office equipment Motor vehicles
Accumulated depreciation Buildings Office equipment Motor vehicles
Net book value
Manajemen berpendapat bahwa tidak terdapat indikasi terjadinya penurunan nilai permanen aktiva tetap.
The Management believes that there is no permanent impairment in the value of fixed assets.
Aktiva tetap, kecuali tanah telah diasuransikan dengan nilai pertanggungan yang menurut Manajemen telah memadai untuk menutupi kemungkinan kerugian atas aktiva yang diasuransikan.
Fixed assets, except for land, have been insured for amounts which, according to the Management, are adequate to cover possible losses of these assets.
LAMPIRAN – 5/41 – SCHEDULE
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
16. BIAYA DIBAYAR DIMUKA DAN AKTIVA LAIN-LAIN
16. PREPAYMENTS AND OTHER ASSETS
Informasi mengenai jatuh tempo diungkapkan pada Catatan 45. 2004 Pihak ketiga Piutang bunga Uang muka pembelian pinjaman sindikasi Setoran jaminan dan biaya dibayar dimuka Beban yang ditangguhkan, bersih Agunan yang diambil alih Premi atas call option (lihat Catatan 1c) Uang muka pinjaman yang dibeli dari BPPN (lihat Catatan 9e) Uang muka lain-lain Aktiva tetap yang tidak digunakan Piutang atas penjualan efek-efek Lain-lain Dikurangi: Penyisihan kerugian
Information in respect of maturity is disclosed in Note 45.
2003
2002
549,741
548,189
502,370
-
532,926
440,722
334,241 257,256 168,275
253,150 4,814
171,343 4,031
186,875
-
-
92,538 39,798
6,954 37,470 -
498,428 320,826 -
84,823 168,557
100,362
188,921
1,882,104
1,483,865
2,126,641
(4,687) 1,877,417
(29,862) 1,454,003
Third parties Interest receivable Advance for syndicated loan purchased Security deposits and prepaid expenses Deferred expense, net Foreclosed assets Premium on call option (see Note 1c) Advances for loans purchased from IBRA (see Note 9e) Other advances Idle properties Receivables from sales of marketable securities Others
(28,451)
Less: Allowance for possible losses
2,098,190
Saldo di atas terdiri dari aktiva lain-lain dan biaya dibayar di muka dalam Rupiah dan mata uang asing masing-masing sebesar Rp 1.698.111 dan Rp 183.993 (2003: Rp 1.346.053 dan Rp 137.812; 2002: Rp 1.766.718 dan Rp 359.923).
The above balance consists of other assets and prepayments in Rupiah and foreign currencies of Rp 1,698,111 and Rp 183,993 (2003: Rp 1,346,053 and Rp 137,812; 2002: Rp 1,766,718 and Rp 359,923).
Piutang bunga
Interest receivable
Termasuk dalam piutang bunga adalah piutang bunga Obligasi Pemerintah sebesar Rp 312.864 (2003: Rp 405.964; 2002: Rp 333.006).
Included in interest receivable is interest receivable from Government Bonds of Rp 312,864 (2003: Rp 405,964; 2002: Rp 333,006).
Setoran jaminan dan biaya dibayar dimuka
Security deposits and prepaid expenses
Termasuk dalam akun ini adalah setoran jaminan dalam rangka transaksi antar bank sebesar Rp 122.644 (2003: Rp 125.125; 2002: Rp 59.383) dan biaya sewa dan pemeliharaan dibayar dimuka sebesar Rp 166.341 (2003: Rp 112.424; 2002: Rp 82.120).
Included in this accounts are pledged security deposits for interbank transactions of Rp 122,644 (2003: Rp 125,125; 2002: Rp 59,383) and prepaid rent and maintenance of Rp 166,341 (2003: Rp 112,424; 2002: Rp 82,120).
Beban yang ditangguhkan
Deferred expense
Beban yang ditangguhkan merupakan biaya administrasi dealer dan biaya perolehan nasabah Anak Perusahaan yang ditangguhkan sebesar Rp 257.256 setelah dikurangi akumulasi amortisasi sebesar Rp 102.894.
Deferred expense represents dealer administration expense and Subsidiary’s customer acquisition expense of Rp 257,256 net of accumulated amortisation of Rp 102,894.
LAMPIRAN – 5/42 – SCHEDULE
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
16. BIAYA DIBAYAR DIMUKA DAN AKTIVA LAIN-LAIN (lanjutan)
16. PREPAYMENTS AND OTHER ASSETS (continued)
Piutang atas penjualan efek-efek
Receivables from sales of marketable securities
Akun ini merupakan piutang atas penjualan Obligasi Pemerintah dan obligasi korporasi dengan total nilai nominal sebesar Rp 80.000 dan harga jual sebesar Rp 84.823 (2003 dan 2002: Rp nihil). Piutang ini akan jatuh tempo pada tanggal 3 dan 4 Januari 2005.
This account represents receivables from sales of Government Bonds and corporate bonds with total nominal value of Rp 80,000 and selling prices of Rp 84,823 (2003 and 2002: Rp nil). These receivables will mature on 3 and 4 January 2005.
Uang muka pembelian pinjaman sindikasi
Advance for syndicated loan purchased
Uang muka pembelian pinjaman sindikasi merupakan uang muka atas pembelian hutang sindikasi PT Danamon Usaha Gedung (DUG) dari The Sumitomo Bank, Limited (sebagai pemimpin sindikasi) dan sejumlah bank serta lembaga keuangan lainnya sejumlah US$ 97 juta berdasarkan “DUG Settlement Agreement” tanggal 21 Desember 2000 antara Bank dan DUG.
Advance for syndicated loan purchased represents a syndicated loan to PT Danamon Usaha Gedung (DUG) purchased from The Sumitomo Bank, Limited (as a lead manager), other banks and financial institutions amounting to US$ 97 million based on the “DUG Settlement Agreement” dated 21 December 2000 between the Bank and DUG.
Dalam rangka pembelian hutang sindikasi tersebut, berdasarkan Debt Purchase Agreement tanggal 22 Desember 2000 antara Bank dengan sejumlah bank dan lembaga keuangan, Bank menyetujui untuk membayar sejumlah US$ 48,5 juta dan memberikan sejumlah 898.907.745 lembar saham Bank (sebelum reverse stock split) yang dibeli dari pihak ketiga atau ekuivalen dengan kas sebesar Rp 73.710 dengan kompensasi Bank akan menerima seluruh properti yang dijaminkan atas pinjaman sindikasi tersebut.
Based on the Debt Purchase Agreement dated 22 December 2000 between the Bank, other syndicated banks and financial institutions, the Bank agreed to pay US$ 48.5 million and released 898,907,745 of its shares (before the reverse stock split) purchased from third parties or a cash equivalent of Rp 73,710 with a compensation the Bank will receive all the properties collaterised to the syndicated loan.
Sampai dengan tanggal 31 Desember 2003, Bank telah melunasi seluruh hutang kepada sejumlah bank dan lembaga keuangan sejumlah Rp 532.926 (2002: Rp 440.722) atau ekuivalen dengan US$ 50,4 juta (2002: US$ 40,4 juta).
As at 31 December 2003, the Bank has paid all the debt to the other banks and financial institutions amounting to Rp 532,926 (2002: Rp 440,722) or equivalent to US$ 50.4 million (2002: US$ 40.4 million).
Pada tanggal 22 Desember 2004, Bank dan DUG menandatangani Supplemental Agreement to DUG Settlement Agreement untuk mengalihkan seluruh properti DUG yang dijaminkan dan saldo escrow account kepada Bank. Bank kemudian mereklasifikasi saldo uang muka DUG sebesar Rp 532.926 ke aktiva tetap berupa tanah sebesar Rp 275.484 dan bangunan sebesar Rp 211.262 (lihat Catatan 15). Sejumlah Rp 46.180 merupakan properti yang tidak digunakan dan dicatat sebagai aktiva lain-lain di mana Rp 6.382 telah berhasil dijual oleh Bank sebelum 31 Desember 2004.
On 22 December 2004, the Bank and DUG signed a Supplemental Agreement to DUG Settlement Agreement to transfer the ownership of DUG’s collaterised properties and the balance of DUG’s escrow account to the Bank. Therefore on 31 December 2004, the Bank reclassified the advance balance of Rp 532,926 to fixed assets in the form of land of Rp 275,484 and buildings of Rp 211,262 (see Note 15). The remaining balance of Rp 46,180 which represents idle properties were recorded as other assets of which Rp 6,382 had been sold by the Bank before 31 December 2004.
Berdasarkan Supplemental Agreement, Bank juga menghapus-bukukan saldo escrow account sebesar Rp 72.000 sebagai pendapatan di laporan laba rugi konsolidasian tahun berjalan (lihat Catatan 34).
Based on the Supplemental Agreement, the Bank reversed the balance of DUG’s escrow account of Rp 72,000 which was recognised as income in the current year consolidated statement of income (see Note 34).
LAMPIRAN – 5/43 – SCHEDULE
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
16. BIAYA DIBAYAR DIMUKA DAN AKTIVA LAIN-LAIN (lanjutan)
16. PREPAYMENTS AND OTHER ASSETS (continued)
Premium atas call option (lihat Catatan 1c)
Premium on call option (see Note 1c)
Manajemen berpendapat bahwa pada tanggal 31 Desember 2004 tidak terdapat indikasi terjadinya penurunan nilai permanen premi atas call option yang telah dibayar.
The Management believes that there is no permanent impairment in the value of premium paid on the call option as at 31 December 2004.
17. KEWAJIBAN SEGERA
17. OBLIGATIONS DUE IMMEDIATELY
Kewajiban segera terdiri dari kiriman uang, dana setoran cek transaksi kliring, setoran pajak yang diterima oleh Bank sebagai bank penagih dan simpanan sementara yang belum diselesaikan. 18. SIMPANAN NASABAH
Obligations due immediately consist of money transfers, clearing, tax collection received by Bank as collection bank and deposits transactions not yet settled. 18. DEPOSITS FROM CUSTOMERS
Simpanan pihak-pihak yang mempunyai hubungan istimewa diungkapkan pada Catatan 40. Informasi mengenai jatuh tempo dan tingkat suku bunga diungkapkan pada Catatan 45 dan 46.
Deposits from related parties are disclosed in Note 40. Information in respect of maturities and interest rates is disclosed in Notes 45 and 46.
a.
a.
Berdasarkan jenis dan mata uang 2004 Rupiah - Giro - Tabungan - Deposito berjangka Mata uang asing - Giro - Deposito berjangka
Terdiri dari: - Pihak yang mempunyai hubungan istimewa - Pihak ketiga
2003
By type and currency 2002
3,403,119 11,155,655 21,629,809
2,994,525 11,531,547 20,629,979
2,675,221 10,090,604 16,473,512
36,188,583
35,156,051
29,239,337
1,780,939 2,313,193
1,950,966 2,692,592
1,896,499 3,761,828
4,094,132
4,643,558
5,658,327
40,282,715
39,799,609
34,897,664
Rupiah Current accounts Savings Time deposits Foreign currencies Current accounts Time deposits -
Consists of: 602,337 39,680,378
617,656 39,181,953
1,196,657 33,701,007
40,282,715
39,799,609
34,897,664
Related parties Third parties -
Simpanan nasabah dalam mata uang asing terdiri dari Dolar Amerika Serikat, Yen, Euro, Dolar Australia dan Dolar Singapura.
Deposits from customers in foreign currencies are denominated in United States Dollars, Yen, Euro, Australian Dollars and Singapore Dollars.
Berdasarkan Keputusan Menteri Keuangan No 180/KMK.06/2004 tanggal 8 April 2004 (dahulu No. 179/KMK/017/2000 tanggal 26 Mei 2000), Pemerintah menjamin kewajiban tertentu dari Bank berdasarkan program penjaminan yang berlaku bagi bank umum. Sampai dengan tanggal laporan keuangan konsolidasian ini, jaminan tersebut berlaku sampai dengan tanggal 30 Juni 2005 dan akan diperpanjang secara otomatis setiap 6 bulan, kecuali Menteri Keuangan menetapkan sebaliknya.
Based on the Decree of the Minister of Finance No. 180/KMK.06/2004 dated 8 April 2004 (previously No. 179/KMK/017/2000 dated 26 May 2000), the Government guarantees certain liabilities of the Bank under the guarantee program applicable to commercial banks. At the date of these consolidated financial statements, the guarantee will be valid until 30 June 2005 with an automatic extension of 6 months, unless the Minister of Finance announces otherwise.
LAMPIRAN – 5/44 – SCHEDULE
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
18. SIMPANAN NASABAH (lanjutan) b.
18. DEPOSITS FROM CUSTOMERS (continued)
Simpanan yang diblokir dan dijadikan jaminan atas pinjaman yang diberikan 2004 - Giro dan tabungan - Deposito berjangka
b.
2003
Amounts blocked and pledged as loan collateral 2002
353,532
575,868
139,074 329,028
353,532
575,868
468,102
19. SIMPANAN DARI BANK LAIN
Current and saving accounts Time deposits -
19. DEPOSITS FROM OTHER BANKS
Informasi mengenai jatuh tempo dan tingkat suku bunga diungkapkan pada Catatan 45 dan 46.
Information in respect of maturities and interest rates is disclosed in Notes 45 and 46.
Berdasarkan jenis dan mata uang
By type and currency 2004
Pihak ketiga Rupiah - Giro - Deposito dan deposits on call - Tabungan - Call money Mata uang asing - Call money
2003
2002
137,211 344,938 597 552,000
284,096 130,604 6,250
351,446 80,515 452 3,600
1,034,746
420,950
436,013
5,699
-
-
1,040,445
420,950
436,013
Simpanan dari bank lain dalam mata uang asing terdiri dari Dolar Singapura.
20. KEWAJIBAN AKSEPTASI
Foreign currencies Call money -
Deposits from other banks in foreign currencies are denominated in Singapore Dollars.
20. ACCEPTANCE PAYABLES
Informasi mengenai jatuh tempo diungkapkan pada Catatan 45. 2004 Pihak ketiga Rupiah Mata uang asing
Third parties Rupiah Current accounts Deposits and deposits on call Savings Call money -
Information in respect of maturities is disclosed in Note 45.
2003
2002
522,884
1,531 417,778
180,466
522,884
419,309
180,466
Kewajiban akseptasi dalam mata uang asing terdiri dari Dolar Amerika Serikat, Yen dan Euro.
Third parties Rupiah Foreign currencies
Acceptance payables in foreign currencies are denominated in United States Dollars, Yen and Euro.
LAMPIRAN – 5/45 – SCHEDULE
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
21. OBLIGASI YANG DITERBITKAN
21. BONDS ISSUED
Informasi mengenai jatuh tempo dan tingkat suku bunga diungkapkan pada Catatan 45 dan 46. 2004 Rupiah Nilai nominal Dikurangi: Biaya emisi obligasi yang belum diamortisasi Bersih
Information in respect of maturities and interest rates is disclosed in Notes 45 and 46.
2003
500,000
2002 -
Rupiah Nominal value
-
Less: (6,578) 493,422
-
-
Unamortised bonds’ issuance cost
-
-
Net
Pada tanggal 8 Mei 2003, Anak Perusahaan menerbitkan obligasi dengan nilai nominal sebesar Rp 500.000. Obligasi ini akan jatuh tempo pada tanggal 6 Mei 2008 dan memiliki suku bunga bersifat tetap sebesar 14,125% per tahun. Bunga dibayar setiap tiga bulan dengan pembayaran pertama dilakukan pada tanggal 6 Agustus 2003 dan berakhir pada tanggal 6 Mei 2008.
On 8 May 2003, the Subsidiary issued bonds with a nominal value of Rp 500,000. The bonds will mature on 6 May 2008 and bear a fixed interest rate at 14.125% per annum. Interest is paid on a quarterly basis started from 6 August 2003 until 6 May 2008.
Obligasi ini dijamin oleh piutang pembiayaan konsumen sebesar Rp 500.000 (lihat Catatan 10). Semua persyaratan perjanjian yang berkaitan dengan obligasi yang diterbitkan telah dipenuhi pada tanggal 31 Desember 2004.
The bonds are secured by consumer financing receivables of Rp 500,000 (see Note 10). All convenants in relation to the bonds issued are met as at 31 December 2004.
Obligasi ini dicatat di Bursa Efek Surabaya dan pada saat diterbitkan, obligasi ini diperingkat oleh Pefindo di idA-. Pada tanggal 31 Desember 2004, obligasi mendapat peringkat dari Pefindo di idA-. Wali amanat untuk penerbitan obligasi ini adalah PT Bank Permata Tbk.
The bonds are listed on the Surabaya Stock Exchange and on the issuance date, the bonds were rated at idA- by Pefindo. On 31 December 2004, the bonds are rated idA- by Pefindo. The trustee of these bonds is PT Bank Permata Tbk.
Beban bunga atas obligasi untuk tahun yang berakhir 31 Desember 2004 adalah sebesar Rp 70.429.
Interest expense on the bonds for the year ended 31 December 2004 is Rp 70,429.
22. PINJAMAN YANG DITERIMA
22. BORROWINGS
Informasi mengenai jatuh tempo dan tingkat suku bunga diungkapkan pada Catatan 45 dan 46.
Information in respect of maturities and interest rates is disclosed in Notes 45 and 46.
Berdasarkan jenis dan mata uang
By type and currency 2004
Pihak ketiga Rupiah - Pinjaman penerusan - Bank Indonesia - PT Bank Negara Indonesia (Persero) Tbk - PT Bank Central Asia Tbk - Pinjaman dari bank/lembaga keuangan lain - PT Permodalan Nasional Madani (PNM) - Lain-lain
2003
2002
99,588 201,637
138,226 231,567
184,787 214,715
227,563 75,000
-
-
50,000
56,601
75,702
207,678 -
201,305 7,594
88,948 7,594
861,466
635,293
571,746
LAMPIRAN – 5/46 – SCHEDULE
Third parties Rupiah Two-step loans Bank Indonesia PT Bank Negara Indonesia (Persero) Tbk PT Bank Central Asia Tbk Placements by other banks/ financial institutions PT Permodalan Nasional Madani (PNM) Others -
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
22. PINJAMAN YANG DITERIMA (lanjutan)
22. BORROWINGS (continued)
Berdasarkan jenis dan mata uang (lanjutan) 2004 Mata uang asing - Pinjaman dari bank/lembaga keuangan lain: - Penempatan oleh bank lain - Pinjaman Bankers Acceptance - Pinjaman Exchange offer - Pinjaman penerusan
By type and currency (continued) 2003
2002
42,513
152,384
72,128
Foreign currencies Placements by other banks/ financial institutions: Placements by other banks -
329,670 37,141 23,655
398,292 27,595
801,471 35,829
Bankers Acceptance Exchange offer loans Two-step loans -
432,979
578,271
909,428
1,294,445
1,213,564
1,481,174
Pinjaman penerusan
Two-step loans
Pinjaman penerusan terdiri dari fasilitas pinjaman dalam Rupiah dan mata uang asing yang diperoleh dari berbagai lembaga pembiayaan internasional melalui Bank Indonesia, yang ditujukan untuk membiayai proyek-proyek tertentu di Indonesia. Pinjaman ini jatuh tempo pada tahun 2005 - 2013 dengan tingkat suku bunga pertahun berkisar antara 2,49% - 8,69% (2003: 6,81% - 13,9%; 2002: 9,76% - 17,41%).
Two-step loans consist of credit facilities in Rupiah and foreign currencies obtained from international funding institutions through Bank Indonesia which are used to finance specific projects in Indonesia. These facilities will mature in 2005 - 2013 and bear annual interest rates ranging from 2.49% - 8.69% (2003: 6.81% 13.9%; 2002: 9.76% - 17.41%).
Bank Indonesia
Bank Indonesia
Akun ini merupakan fasilitas-fasilitas kredit yang diperoleh dari Bank Indonesia (BI) untuk dipinjamkan kembali kepada pengusaha kecil dalam bentuk kredit investasi dan kredit modal kerja.
This account represents credit facilities obtained from Bank Indonesia (BI) which are channelled to the Bank’s small scale customers in the form of investment loans and working capital loans.
Pinjaman ini akan jatuh tempo pada tahun 2009 – 2019 dengan tingkat suku bunga tetap per tahun berkisar antara 3% – 9%.
These facilities will mature in 2009 – 2019 and bear annual fixed interest rates ranging from 3% – 9%.
PT Bank Negara Indonesia (Persero) Tbk (BNI)
PT Bank Negara Indonesia (Persero) Tbk (BNI)
Akun ini merupakan fasilitas pinjaman Anak Perusahaan yang diperoleh dari BNI yang dapat diperpanjang sebesar Rp 460.000. Fasilitas ini dijamin oleh piutang pembiayaan konsumen sebesar Rp 227.563 (lihat Catatan 10), tanah senilai Rp 17.226 (lihat Catatan 15), deposito berjangka sebesar Rp 2.000 (lihat Catatan 6). Fasilitas pinjaman ini akan jatuh tempo di tahun 2006 – 2007 dengan tingkat suku bunga per tahun berkisar antara 14% -14,5%.
This account represents a revolving credit facility obtained by the Subsidiary from BNI amounting to Rp 460,000. This facility is secured by consumer financing receivables of Rp 227,563 (see Note 10), land of Rp 17,226 (see Note 15) and time deposit of Rp 2,000 (see Note 6). The facility will mature between 2006 – 2007 and bears annual interest rate ranging between 14% - 14.5%.
LAMPIRAN – 5/47 – SCHEDULE
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
22. PINJAMAN YANG DITERIMA (lanjutan)
22. BORROWINGS (continued)
PT Bank Negara Indonesia (Persero) Tbk (BNI) (lanjutan)
PT Bank Negara Indonesia (Persero) Tbk (BNI) (continued)
Semua persyaratan perjanjian yang berkaitan dengan fasilitas pinjaman yang diterima oleh Anak Perusahaan telah dipenuhi pada tanggal 31 Desember 2004.
All covenants in relation to borrowing facilities received by the Subsidiary are met as at 31 December 2004.
PT Bank Central Asia Tbk (BCA)
PT Bank Central Asia Tbk (BCA)
Akun ini merupakan fasilitas pinjaman yang diperoleh Anak Perusahaan dari BCA yang dapat diperpanjang sebesar Rp 75.000. Fasilitas ini dijamin oleh piutang pembiayaan konsumen sebesar Rp 90.000 (lihat Catatan 10). Fasilitas pinjaman ini akan jatuh tempo pada tanggal 14 Maret 2005 dengan tingkat suku bunga per tahun berkisar antara 14% - 15%.
This account represents a revolving credit facility obtained by the Subsidiary from BCA amounting to Rp 75,000. This facility is secured by consumer financing receivables of Rp 90,000 (see Note 10). The facility will mature on 14 March 2005 and bears annual interest rates ranging between 14% - 15%.
Semua persyaratan perjanjian yang berkaitan dengan fasilitas pinjaman yang diterima oleh Anak Perusahaan telah dipenuhi pada tanggal 31 Desember 2004.
All covenants in relation to borrowing facilities received by the Subsidiary are met as at 31 December 2004.
PT Permodalan Nasional Madani (PNM)
PT Permodalan Nasional Madani (PNM)
Akun ini merupakan fasilitas kredit yang diperoleh Bank dari PNM dalam bentuk kredit likuiditas, terdiri dari fasilitas kredit untuk Kredit Koperasi Primer untuk Anggota (KKPA) dan Kredit Pengusaha Kecil dan Mikro (KPKM).
This account represents credit facilities obtained by the Bank from PNM in the form of liquidity credits consisting of loans for primary cooperative members (KKPA) and small-scale and micro business loans (KPKM).
Pinjaman ini akan jatuh tempo pada tahun 2005 - 2014 dengan tingkat suku bunga tetap per tahun berkisar antara 3% - 9%.
These facilities will mature in 2005 - 2014, bear annual fixed interest rates ranging from 3% - 9%.
Pinjaman Bankers Acceptance
Bankers Acceptance
Akun ini merupakan pinjaman antar bank yang diperoleh Bank dari bank-bank luar negeri. Pinjaman ini akan jatuh tempo pada bulan Januari – April 2005, dengan tingkat suku bunga berkisar antara 2,63% 3,32% per tahun. Pada tanggal 31 Desember 2004, pinjaman ini adalah US$ 35.505.635 atau setara dengan Rp 329.670 (2003 dan 2002: Rp nihil).
This account represents interbank borrowings obtained by the Bank from various foreign banks. These borrowings will mature in January – April 2005, bear annual interest rates ranging from 2.63% 3.32%. As at 31 December 2004, these borrowings are US$ 35,505,635 or equivalent to Rp 329,670 (2003 and 2002: Rp nil).
LAMPIRAN – 5/48 – SCHEDULE
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
22. PINJAMAN YANG DITERIMA (lanjutan)
22. BORROWINGS (continued)
Pinjaman exchange offer
Exchange offer loans
Dalam rangka restrukturisasi hutang perbankan nasional, Bank dan 8 BTO telah menukarkan beberapa pinjaman yang diterima dalam mata uang asing dari bank-bank luar negeri dengan pinjaman baru yang jatuh temponya diperpanjang dan dijamin oleh Bank Indonesia.
In accordance with the Government’s debt restructuring program for banks, the Bank and the former 8 BTOs’ exchanged some of their foreign currency denominated borrowings from foreign banks, for new borrowings, with extended maturities, and guaranteed by Bank Indonesia.
Pinjaman ini akan jatuh tempo pada tanggal 1 Juni 2005 dengan tingkat suku bunga per tahun 5,375%. Selama tahun 2004 pinjaman exchange offer sebesar US$ 43.275.000 telah jatuh tempo dan dilunasi.
This facility will mature on 1 June 2005 and bears an annual fixed interest rate of 5.375%. During 2004, exchange offer loans amounting to US$ 43,275,000 matured and were settled.
23. PAJAK PENGHASILAN a.
23. INCOME TAX
Pajak dibayar dimuka
a. 2004
Bank Pajak penghasilan badan - 2000 - 1998
Anak Perusahaan Pajak penghasilan badan - 2002 - 2001
b.
2003
Prepaid taxes 2002
-
2,812 235
2,812 235
-
3,047
3,047
-
648 32
643 3,769
-
680
4,412
-
3,727
7,459
Hutang pajak
b. 2004
2003
Bank Corporate income tax 2000 1998 -
Subsidiary Corporate income tax 2002 2001 -
Taxes payable 2002
Bank Pajak Penghasilan Badan: - 2004
54,955
-
-
Bank Corporate Income Tax: 2004 -
Pajak Penghasilan: - Pasal 21 - Pasal 23 / 26 - Pasal 25
12,777 93,246 63,622
4,114 2,742 -
3,254 1,747 -
Income Tax: Article 21 Articles 23 / 26 Article 25 -
2,110 226,710
269 7,125
181 5,182
Value Added Tax
25,413
7
42
Subsidiary
252,123
7,132
5,224
Pajak Pertambahan Nilai
Anak Perusahaan
LAMPIRAN – 5/49 – SCHEDULE
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
23. PAJAK PENGHASILAN (lanjutan) c.
23. INCOME TAX (continued)
Beban pajak penghasilan
c. 2004
Bank Kini Tangguhan Anak Perusahaan Kini Tangguhan Konsolidasian Kini Tangguhan
2003 43,331
41,250
760,481
43,331
41,250
70,515 63,825
(135)
-
134,340
(135)
-
723,988 170,833
43,196
41,250
894,821
43,196
41,250
2004
Laba sebelum pajak - Bank Bagian atas (laba)/rugi Anak Perusahaan
3,378,236
989,284
367
368
3,168,560
1,572,907
989,652
(226,011) 2,942,549
1,953 1,574,860
3,310 992,962
3,097,876
(1,294,703) 375,127 (919,576)
Penghasilan kena pajak
2,178,300
Subsidiary Current Deferred Consolidated Current Deferred
2002
1,572,540
(209,676)
Bank Current Deferred
The reconciliation between income before tax, as shown in the consolidated statements of income, and taxable income for the years ended 31 December 2004, 2003 and 2002 is as follows:
2003
Perbedaan waktu Perbedaan antara komersial dan fiskal atas: - Penyisihan kerugian atas aktiva produktif 136,273 - (Keuntungan)/kerugian yang belum terealisasi atas perubahan nilai wajar efekefek dan Obligasi Pemerintah bersih (269) - Penyusutan 3,709 - Lain-lain 15,614
Perbedaan tetap Perbedaan antara komersial dan fiskal atas: - Penyisihan kerugian atas aktiva produktif - Penghapus-bukuan pinjaman - Lain-lain
2002
653,473 107,008
Rekonsiliasi antara laba sebelum pajak, seperti yang disajikan dalam laporan laba rugi konsolidasian dan penghasilan kena pajak untuk tahun yang berakhir pada tanggal 31 Desember 2004, 2003 dan 2002 adalah sebagai berikut: Laba konsolidasian sebelum pajak (Laba) / rugi bersih sebelum pajak - Anak Perusahaan
Income tax expense
(136,189)
(112,933) (22,884) 80,507 1,383,361
Consolidated income before tax Net (income)/loss before tax - Subsidiary Income before tax - Bank Equity in net (income)/loss of Subsidiary
110,473
Timing differences Differences between commercial and tax amounts on: Allowance for possible losses on earning assets
132,274 9,113 98,623
Unrealised (gains)/losses from changes in fair value of marketable securities and Government Bonds - net Depreciation Others -
1,343,445
655,116
322,988
460,512 112,784
424,371 14,154
1,228,412
761,513
2,611,773
2,104,958
LAMPIRAN – 5/50 – SCHEDULE
Permanent differences Differences between commercial and tax amounts on: Allowance for possible losses on earning assets Loans written-off Others -
Taxable income
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
23. PAJAK PENGHASILAN (lanjutan) c.
23. INCOME TAX (continued)
Beban pajak penghasilan (lanjutan)
c.
2004 Akumulasi kerugian fiskal saldo awal - Penyesuaian atas kerugian fiskal sesuai dengan surat ketetapan pajak untuk tahun 1998 dan 1999 - Penyesuaian atas kerugian fiskal sesuai dengan surat ketetapan pajak untuk tahun 2000 dan 2001 - Kerugian fiskal yang sudah jatuh tempo
(7,997,570)
Dikurangi: Pajak dibayar dimuka Pasal 25 Hutang pajak penghasilan Badan
2002
(30,059,480)
(32,164,438)
Accumulated tax losses beginning balance
4,840,701
Adjustment of tax losses in accordance with tax assessments for fiscal years 1998 and 1999
1,699,639
-
Adjustment of tax losses in accordance with tax assessments for fiscal years 2000 and 2001
4,119,631
14,609,436
-
Akumulasi kerugian fiskal saldo akhir Pajak penghasilan badan (lihat catatan di bawah)
2003
Income tax expense (continued)
-
(7,997,570)
653,473
(30,059,480)
-
-
Expired tax losses Accumulated tax losses ending balance Corporate income tax expense (see notes below) Less:
598,518
-
-
Prepaid tax article 25
54,955
-
-
Corporate income tax payable
Perhitungan pajak penghasilan badan tersebut diatas adalah suatu perhitungan sementara yang dibuat untuk tujuan akuntansi dan dapat berubah pada waktu Bank menyampaikan Surat Pemberitahuan Tahunan (SPT) pajaknya.
The above corporate tax calculation is a preliminary estimate made for accounting purposes and is subject to revision when the Bank lodges its annual corporate tax return.
Perhitungan perpajakan untuk tahun 2003 dan 2002 sesuai dengan SPT Bank.
The calculation of income tax for the years 2003 and 2002 conforms with the Bank’s annual tax returns.
Rekonsiliasi atas beban pajak penghasilan Bank dengan perkalian laba akuntansi Bank sebelum pajak penghasilan dan tarif pajak yang berlaku adalah sebagai berikut:
The reconciliation between income tax expense and the theoretical tax amount on the Bank’s profit before tax is as follows:
2004 Laba sebelum pajak – Bank setelah dikurangi bagian laba atas laba/rugi Anak Perusahaan Pajak penghasilan Pajak dihitung pada tarif pajak progresif Beban yang tidak dapat dikurangkan Penggunaan akumulasi kerugian fiskal yang telah diakui sebagai aktiva pajak tangguhan Penggunaan akumulasi kerugian fiskal yang tidak diakui sebagai aktiva pajak tangguhan
2003
2002
2,942,549 760,481
1,574,860 43,331
992,962 41,250
Income before tax – Bank net of equity in net income/loss of Subsidiary Income tax expense
882,748
472,441
297,872
Tax calculated at progressive rates
(275,873)
368,524
228,454
Non deductible expenses
-
Utilisation of the tax losses carried forward previously recognised as deferred tax assets
153,606
760,481
-
(797,634)
(485,076)
43,331
41,250
LAMPIRAN – 5/51 – SCHEDULE
Utilisation of tax losses carried forward not recognised as deferred tax assets
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
23. PAJAK PENGHASILAN (lanjutan) c.
23. INCOME TAX (continued)
Beban pajak penghasilan (lanjutan)
c.
Income tax expense (continued)
Akumulasi kerugian fiskal dapat dipergunakan dan dikurangkan dari penghasilan kena pajak masa yang akan datang untuk periode 5 tahun sejak tahun terjadinya kerugian.
Accumulated tax losses are available to be carried forward and off-set against future taxable income for a period of 5 years from the year the loss is incurred.
Berikut ini adalah perincian akumulasi kerugian fiskal pada tanggal 31 Desember:
The ageing of the accumulated tax losses as at 31 December:
Tahun berakhir
2002
2004 2003
2004
2003 -
7,997,570 -
7,734,527 22,324,953
-
7,997,570
30,059,480
Year of expiry 2004 2003
Bank
Bank
Pemeriksaan pajak tahun 1998 dan 1999
Tax audit for fiscal year 1998 and 1999
Pada tahun 2003, Bank menerima Surat Ketetapan Pajak (SKP) untuk tahun fiskal 1998 dan 1999 dan sehubungan dengan penggabungan usaha Bank dengan 8 BTO. SKP tersebut menetapkan kurang bayar atas pajak penghasilan karyawan, pajak yang dipotong dan pajak pertambahan nilai atas Bank dan 8 BTO masingmasing sebesar Rp 40.457 dan Rp 54.345.
In 2003, the Bank received tax assessments for fiscal years 1998 and 1999 and in relation to the audit of the merger with 8 BTOs. The assessments confirmed underpayments of employee income tax, withholding tax and value added tax for the Bank and 8 BTOs of Rp 40,457 and Rp 54,345 respectively.
Kekurangan bayar tersebut diatas telah disetujui dan telah seluruhnya dilunasi oleh Bank dan dibebankan dalam laporan laba rugi konsolidasian tahun berjalan sebesar Rp 40.457 dan akun kompensasi biaya penggabungan usaha sebesar Rp 54.345.
The above underpayments were agreed and paid by the Bank and charged to the current year consolidated statement of income of Rp 40,457 and compensation for merger costs account of Rp 54,345 respectively.
Selain itu, Kantor Pelayanan Pajak juga telah melakukan koreksi atas pajak penghasilan badan tahun 1998 dan 1999 masing-masing sebesar Rp 4.768.889 dan Rp 20.129.570. Hal ini mengakibatkan Bank mempunyai penghasilan kena pajak sebesar Rp 12.395.042 dan bukan posisi kerugian fiskal Rp 7.734.528, seperti yang dilaporkan Bank untuk tahun fiskal 1999. Penyesuaian ini tidak menimbulkan hutang pajak bagi Bank untuk tahun fiskal 2003 karena jumlah ini dapat dikompensasi dengan kerugian fiskal tahun 1998.
In addition, the Tax Office reassessed the tax losses for the Bank’s 1998 and 1999 fiscal years of Rp 4,768,889 and Rp 20,129,570 respectively. This resulted in a taxable income position of Rp 12,395,042 instead of a tax loss of Rp 7,734,528, as previously reported by the Bank in its 1999 fiscal year. This adjustment did not result in a tax payable for the Bank for fiscal year 2003 as it was fully compensated with the 1998 tax losses carried forward.
LAMPIRAN – 5/52 – SCHEDULE
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
23. PAJAK PENGHASILAN (lanjutan) c.
23. INCOME TAX (continued)
Beban pajak penghasilan (lanjutan)
c.
Income tax expense (continued)
Bank (lanjutan)
Bank (continued)
Manajemen Bank menyetujui koreksi terhadap pajak penghasilan tahun fiskal 1998 dan hanya menyetujui koreksi sebesar Rp 71.811 untuk tahun fiskal 1999.
The Bank’s Management agreed with the assessment related to the 1998 fiscal year and only agreed with an assessment of Rp 71,811 for the 1999 fiscal year.
Pada bulan Pebruari 2004, Bank telah mengajukan keberatan atas SKP untuk tahun fiskal 1999 tersebut dan ditolak oleh Kantor Pelayanan Pajak. Atas penolakan ini Bank telah mengajukan banding dan sekarang masih dalam proses pengadilan pajak.
In February 2004, the Bank filed an objection letter in respect of the 1999 assesment which was rejected by the Tax Office. Subsequently, the Bank submitted an appeal which is currently being heard in the Tax court.
Disamping itu, Bank telah mencatat pajak penghasilan badan untuk tahun 2004 sebesar Rp 653.473 ke laporan laba rugi konsolidasian tahun berjalan.
In addition, the Bank has recorded the 2004 corporate tax expenses of Rp 653,473 in the current year consolidated statement of income.
Pemeriksaan pajak tahun 2000 dan 2001
Tax audit for the fiscal years 2000 and 2001
Pada tahun 2004, Bank menerima SKP hasil pemeriksaan pajak tahun fiskal 2000 dan 2001, yang menetapkan kurang bayar atas pajak penghasilan karyawan, pajak penghasilan pasal 23/26, pajak final pasal 4(2) dan Pajak Pertambahan Nilai (PPN) dengan jumlah masingmasing sebesar Rp 28.101 dan Rp 26.589, setelah dikompensasi dengan kelebihan pembayaran pajak penghasilan karyawan dan pajak penghasilan badan tahun 2000. Hasil pemeriksaan tersebut telah disetujui oleh Manajemen Bank, kecuali ketetapan kurang bayar PPN sebesar Rp 19.769. Bank telah mengajukan surat keberatan atas SKP PPN tersebut pada bulan Januari 2005.
In 2004, the Bank received tax assessment letters for the fiscal years 2000 and 2001, which confirmed the underpayment of employee income tax, withholding tax article 23/26, final tax article 4(2) and Value Added Tax (VAT) of Rp 28,101 and Rp 26,589, respectively after being compensated with the tax overpayment of the 2000 employee income tax and corporate income tax. The result of the audit has been agreed by the Management, except for the assessment on the VAT underpayment of Rp 19,769. The Bank has submitted an objection letter on the VAT underpayment in January 2005.
Walaupun berkeberatan dengan SKP PPN, Bank telah membayar seluruh kurang bayar tersebut diatas.
Despite the disagreement on the VAT exposure, all underpayments have been paid by the Bank.
LAMPIRAN – 5/53 – SCHEDULE
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
23. PAJAK PENGHASILAN (lanjutan) c.
23. INCOME TAX (continued)
Beban pajak penghasilan (lanjutan)
c.
Bank (lanjutan) SKP atas cadangan penggabungan usaha
d.
Income tax expense (continued) Bank (continued)
kompensasi
biaya
Tax Assessments on the compensation for merger cost
provision
Tanggal 14 Desember 2004, Bank menerima surat dari Kantor Pelayanan Pajak (KPP) untuk membayarkan sisa cadangan merger sebesar Rp 397.000 (lihat Catatan 24). Kemudian pada tanggal 24 Desember 2004 Bank menerima Surat Ketetapan Pajak Kurang Bayar (SKPKB) atas pajak penghasilan pasal 23 dan pajak final pasal 4(2) sebesar Rp 357.256 sehubungan dengan 7 BTO.
On 14 December 2004, the Bank received a letter from the Tax Office requesting the Bank to pay the remaining balance of the merger provision of Rp 397,000 (see Note 24). Subsequently, on 24 December 2004, the Bank received a tax assessment which confirmed a tax underpayment of income tax article 23 and final tax article 4(2) of Rp 357,256 in relation to the 7 BTOs.
Sesuai dengan ketentuan perpajakan, pada tanggal 24 Januari 2005, Manajemen Bank telah membayar SKPKB tersebut diatas sambil mempertimbangkan langkah selanjutnya.
In accordance with tax regulation, on 24 January 2005 the Bank paid the above tax assessment and Management is evaluating its position..
Aktiva pajak tangguhan
d.
Bank
Deferred tax asset Bank
2004
1 Januari/ January 2004 Aktiva pajak tangguhan: - Penyisihan kerugian aktiva produktif - Akumulasi kerugian fiskal - (Keuntungan)/kerugian yang belum terealisasi atas perubahan nilai wajar efekefek dan Obligasi Pemerintah - bersih - Lain-lain Jumlah aktiva pajak tangguhan
Dikreditkan/ (dibebankan) ke laporan laba rugi konsolidasian/ Credited/(charged) to consolidated statement of income
31 Desember/ December 2004
59,696 153,606
34,931 (153,606)
94,627 -
5,802 66,530
(81) 11,748
5,721 78,278
Deferred tax asset: Allowance for possible losses on earning assets Accumulated tax losses Unrealised (gains)/losses from changes in fair value of marketable securities and Government Bonds - net Others -
285,634
(107,008)
178,626
Deferred tax asset
LAMPIRAN – 5/54 – SCHEDULE
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
23. PAJAK PENGHASILAN (lanjutan) d.
23. INCOME TAX (continued)
Aktiva pajak tangguhan (lanjutan)
d.
Deferred tax asset (continued)
2003
1 Januari/ January 2003 Aktiva pajak tangguhan: - Penyisihan kerugian aktiva produktif - Akumulasi kerugian fiskal - (Keuntungan)/kerugian yang belum terealisasi atas perubahan nilai wajar efekefek dan Obligasi Pemerintah - bersih - Lain-lain Jumlah aktiva pajak tangguhan
Dikreditkan/ (dibebankan) ke laporan laba rugi konsolidasian/ Credited/(charged) to consolidated statement of income
31 Desember/ December 2003
(41,847) -
Deferred tax asset: Allowance for possible losses on 59,696 earning assets 153,606 Accumulated tax losses -
39,682 33,999
(33,880) 32,531
5,802 66,530
Unrealised (gains)/losses from changes in fair value of marketable securities and Government Bonds - net Others -
328,830
(43,196)
285,634
Deferred tax asset
101,543 153,606
2002
1 Januari/ January 2002 Aktiva pajak tangguhan: - Penyisihan kerugian aktiva produktif - Akumulasi kerugian fiskal - (Keuntungan)/kerugian yang belum terealisasi atas perubahan nilai wajar efekefek dan Obligasi Pemerintah bersih - Lain-lain Jumlah aktiva pajak tangguhan
Dikreditkan/ (dibebankan) ke laporan laba rugi konsolidasian/ Credited/(charged) to consolidated statement of income
68,401 300,000
1,679 370,080
Pada tanggal 31 Desember 2004, Bank mempunyai potensial aktiva pajak tangguhan sebesar Rp nihil (2003: Rp 2.298.815; 2002: Rp 9.020.603) yang timbul dari akumulasi rugi fiskal. Atas asas konservatif, Manajemen telah memutuskan untuk mencatat aktiva pajak tangguhan yang berkaitan dengan akumulasi kerugian fiskal tersebut pada tanggal 31 Desember 2004 sebesar Rp nihil (2003 dan 2002: Rp 153.606).
31 Desember/ December 2002
33,142 (146,394)
Deferred tax asset: Allowance for possible losses on 101,543 earning assets 153,606 Accumulated tax losses -
39,682 32,320
39,682 33,999
Unrealised (gains)/losses from changes in fair value of marketable securities and Government Bonds - net Others -
(41,250)
328,830
Deferred tax asset
As at 31 December 2004, the Bank had a potential unrecognised deferred tax asset of Rp nil (2003: Rp 2,298,815; 2002: Rp 9,020,603) attributable to tax losses carried forward. On the grounds of conservatism, the Management has decided to recognise a deferred tax asset in respect of the cumulative tax losses as at 31 December 2004 of Rp nil (2003 and 2002: Rp 153,606).
LAMPIRAN – 5/55 – SCHEDULE
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
23. PAJAK PENGHASILAN (lanjutan) e.
23. INCOME TAX (continued)
Kewajiban pajak tangguhan
e.
Anak Perusahaan
Deferred tax liabilities Subsidiary
2004
1 Januari/ January 2004 Kewajiban pajak tangguhan: - Penyisihan kerugian piutang pembiayaan konsumen - Cadangan atas biaya gaji dan kesejahteraan pegawai - Penyisihan penurunan aktiva yang diambil alih - Cadangan atas imbalan kerja dan manfaat pensiun - Biaya administrasi dealer ditangguhkan - Biaya provisi dan administrasi yang ditangguhkan - Penyusutan aktiva tetap Jumlah kewajiban pajak tangguhan
f.
Dikreditkan/(dibebankan) ke laporan laba rugi konsolidasian/ Credited/(charged) to consolidated statement of income
Penambahan karena akuisisi Anak Perusahaan/ Addition due to acquisition of Subsidiary
-
31 Desember/ December 2004 Deferred tax liabilities: Provision for possible losses of 2,990 consumer financing receivable
9,420
(6,430)
4,110
3,634
7,744
3,832
-
3,832
1,200
-
1,200
-
-
(11,971)
(61,601)
(73,572)
-
(10,860) (8,752)
1,947 (1,375)
(8,913) (10,127)
-
(13,021)
(63,825)
(76,846)
-
Administrasi
f.
Berdasarkan peraturan perpajakan Indonesia, Bank menghitung, menetapkan dan membayar sendiri jumlah pajak yang terhutang. Direktorat Jenderal Pajak dapat meneliti atau mengubah kewajiban pajak dalam batas waktu sepuluh tahun sejak tanggal terhutangnya pajak.
24. BIAYA YANG MASIH HARUS DIBAYAR DAN KEWAJIBAN LAIN-LAIN Biaya yang harus dibayar dan kewajiban lain-lain dengan pihak-pihak yang mempunyai hubungan istimewa diungkapkan pada Catatan 40. Informasi mengenai jatuh tempo diungkapkan pada Catatan 45.
Accruals for employee cost Provision for decline in value of foreclosed assets Provision for pension and employees benefits Unearned administration dealers expenses Unearned administration and commission fees Fixed assets depreciation
-
Deferred tax liabilities
Administration Under the taxation laws in Indonesia, the Bank submits tax returns on the basis of self assessments. The tax authorities may assess or amend taxes within ten years from the date the tax becomes due for payment.
24. ACCRUALS AND OTHER LIABILITIES
Accruals and other liabilities with related parties are disclosed in Note 40. Information in respect of maturities is disclosed in Note 45.
LAMPIRAN – 5/56 – SCHEDULE
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
24. BIAYA YANG MASIH HARUS DIBAYAR DAN KEWAJIBAN LAIN-LAIN (lanjutan) 2004 Kompensasi biaya penggabungan usaha 8 BTO Hutang bunga Biaya yang masih harus dibayar Kewajiban eks BTO kepada pihak ketiga Kewajiban kepada PPA (dahulu BPPN) Pembelian efek-efek yang masih harus dibayar Provisi pinjaman diterima dimuka Cadangan biaya lainnya Lain-lain
24. ACCRUALS AND OTHER LIABILITIES (continued)
2003
2002
392,121 364,256 327,267
401,717 347,008 362,447
473,363 439,138 233,745
704
159,823 27,760
426,243 25,860
191,436 164,790 75,127 312,929
176,175 150,042 27,519
144,657 318,222 257,493
1,828,630
1,652,491
2,318,721
Compensation for merger costs 8 BTOs Interest payable Accrued expenses Liabilities of the former BTOs to third parties Liability to PPA (formerly IBRA) Accrued purchase of marketable securities Unearned fees and commissions Other provisions Others
Saldo di atas terdiri atas biaya yang masih harus dibayar dan kewajiban lain-lain dalam Rupiah sebesar Rp 1.641.675 dan mata uang asing sebesar Rp 186.955 (2003: Rp 1.568.605 dan Rp 83.886; 2002: Rp 1.922.377 dan Rp 396.344).
The above balance consists of accruals and other liabilities in Rupiah of Rp 1,641,675 and in foreign currencies of Rp 186,955 (2003: Rp 1,568,605 dan Rp 83,886; 2002: Rp 1,922,377 dan Rp 396,344).
Kompensasi biaya penggabungan usaha 8 BTO
Compensation for merger costs 8 BTOs
Kompensasi biaya penggabungan usaha merupakan cadangan beban-beban sehubungan dengan penggabungan usaha eks 8 BTO dengan Bank, yang antara lain terdiri dari biaya pemutusan hubungan kerja, biaya legal, dan biaya lindung nilai untuk menutupi risiko kerugian valuta asing.
Compensation for merger costs is a provision for expenditures incurred in relation to the Bank’s merger with 8 BTOs, consisting of among others termination of employees, legal costs, and hedging costs to cover the Bank’s foreign currency exposures.
Penggunaan kompensasi selama tahun 2004 adalah sebesar Rp 9.596 (2003: Rp 71.646; 2002: Rp 729.686).
The utilisation of this provision was Rp 9,596 during 2004 (2003: Rp 71,646; 2002: Rp 729,686).
Bank telah mendapatkan persetujuan dari BPPN pada tanggal 30 Januari 2003 atas pertanggungjawaban penggunaan kompensasi biaya ini sampai dengan tanggal 30 Nopember 2002. BPPN juga memberikan wewenang kepada Bank atas penggunaan sisa kompensasi merger.
The Bank obtained approval from IBRA on 30 January 2003 regarding the utilisation of this provision up to 30 November 2002. IBRA also gave the authority to the Bank to utilise the remaining balance of this provision.
Kewajiban eks BTO kepada pihak ketiga
Liabilities of the former BTOs to third parties
Akun ini merupakan kewajiban dari eks BTO kepada pihak ketiga, yang telah diselesaikan di tahun 2004.
This account represents liabilities of the former BTOs to third parties, which were settled in 2004.
Pembelian efek-efek yang masih harus dibayar
Accruals for purchase of marketable securities
Akun ini merupakan hutang atas pembelian Obligasi Pemerintah dan obligasi korporasi dengan total nilai nominal sebesar Rp 50.000 dan US$ 13.400.000 dan nilai beli sebesar Rp 58.825 dan US$ 14.282.263.
This account represents accruals for purchase of Government Bonds and corporate bonds with total nominal value of Rp 50,000 and US$ 13,400,000 with purchase price of Rp 58,825 and US$ 14,282,263.
LAMPIRAN – 5/57 – SCHEDULE
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
24. BIAYA YANG MASIH HARUS DIBAYAR DAN KEWAJIBAN LAIN-LAIN (lanjutan)
24. ACCRUALS AND OTHER LIABILITIES (continued)
Biaya yang masih harus dibayar
Accrued expenses
Akun ini terdiri dari cadangan imbalan kerja karyawan sebesar Rp 137.207 (2003: Rp 104.132; 2002: Rp 51.601) cadangan untuk bonus karyawan sebesar Rp 94.971 (2003: Rp 78.953; 2002: Rp 72.292) dan sisanya merupakan cadangan untuk biaya operasional Bank dan Anak Perusahaan.
This account represents accrued employee benefits of Rp 137,207 (2003: Rp 104,132; 2002: Rp 51,601), accrual for employees bonus of Rp 94,971 (2003: Rp 78,953; 2002: Rp 72,292) and the rests represent accruals in relation to operational costs of the Bank and the Subsidiary.
Lain-lain
Others
Akun ini, antara lain, terdiri dari hutang Anak Perusahaan kepada dealer sebesar Rp 76.923 (2003 dan 2002: Rp nihil), setoran jaminan sebesar Rp 38.833 (2003 dan 2002: Rp nihil) dan cadangan penghapusan aktiva tetap sebesar Rp 55.000 (2003 dan 2002: Rp nihil) (lihat Catatan 35).
This account, among others, consists of Subsidiary’s payable to dealers of Rp 76,923 (2003 and 2002: Rp nil), deposits received of Rp 38,833 (2003 and 2002: Rp nil) and provision for fixed assets written-off of Rp 55,000 (2003 and 2002: Rp nil) (see Note 35).
25. PINJAMAN SUBORDINASI
25. SUBORDINATED DEBTS 2004
Pinjaman subordinasi Surat berharga subordinasi
2003
2002
693,557 2,776,030
699,767 -
731,759 -
3,469,587
699,767
731,759
Subordinated loans Subordinated notes
Pinjaman subordinasi
Subordinated loans
Saldo sebesar Rp 693.557 (2003: Rp 699.767; 2002: Rp 731.759) merupakan pinjaman subordinasi yang diperoleh Bank dari Bank Indonesia dan pemegang saham BTO yang bergabung dengan Bank. Pinjaman ini akan jatuh tempo pada berbagai tanggal dan terakhir pada tahun 2017.
Balance of Rp 693,557 (2003: Rp 699,767; 2002: Rp 731,759) represents loans received by the Bank from Bank Indonesia and the former shareholders of BTO banks which merged with the Bank. These loans will mature on various dates, the latest in 2017.
Pada tanggal 31 Desember 2004 pinjaman subordinasi eks pemegang saham BTO sejumlah Rp 124.320 (2003: Rp 124.320; 2002: Rp 149.320) sudah jatuh tempo dan dalam proses penyelesaian menunggu persetujuan dari pemerintah.
As at 31 December 2004 subordinated loans of the former shareholders of the BTO banks amounting to Rp 124,320 (2003 : Rp 124,320; 2002: Rp 149,320) have matured, and are in the process of settlement awaiting approval from the regulatory authorities.
Surat berharga subordinasi
Subordinated notes
Pada tanggal 30 Maret 2004 Bank melalui cabang Cayman Islands menerbitkan surat berharga subordinasi sebesar US$ 300 juta dan dicatatkan di Singapore Stock Exchange. Surat berharga ini adalah kewajiban subordinasi Bank dan bersifat unsecured. Surat berharga ini akan jatuh tempo pada tanggal 30 Maret 2014 dengan opsi tanggal pelunasan pada tanggal 30 Maret 2009.
On 30 March 2004, the Bank through its Cayman Islands branch, issued US$ 300 million subordinated notes listed on the Singapore Stock Exchange. These notes are unsecured and subordinated to all other obligations of the Bank. These notes will mature on 30 March 2014, with an optional redemption date for the Bank on 30 March 2009.
2004
2003
Nilai nominal Dikurangi: Diskonto yang belum diamortisasi
2,785,500
Nilai bersih Biaya amortisasi yang dibebankan ke laporan laba rugi konsolidasian
2002 -
-
-
-
Nominal value Less: Unamortised discount
2,776,030
-
-
Net balance
1,857
-
-
Amortisation costs charged to consolidated statement of income
(9,470)
LAMPIRAN – 5/58 – SCHEDULE
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
25. PINJAMAN SUBORDINASI (lanjutan)
25. SUBORDINATED DEBTS (continued)
Surat berharga ini memiliki tingkat suku bunga tetap sebesar 7,65% per tahun, dibayarkan setiap enam bulan setiap tanggal 30 Maret dan 30 September tiap tahunnya. Kecuali dilunasi pada tanggal 30 Maret 2009, tingkat bunga akan ditentukan kembali berdasarkan tingkat bunga Tresuri Amerika Serikat untuk jangka waktu 5 tahun ditambah 7,62% (762 poin) per tahun mulai dari tanggal tersebut. Wali amanat untuk penerbitan obligasi ini adalah DB Trustees (Hong Kong) Limited.
The notes bear interest at a fixed rate of 7.65% per annum, payable semi-annually in arrears on 30 March and 30 September each year. Unless redeemed on 30 March 2009, the interest rate will be reset at the 5 year US Treasury rate plus 7.62% (762 basis points) per annum from that date. The trustee of the bond issuance is DB Trustees (Hong Kong) Limited.
Pada tanggal 31 Desember 2004, peringkat surat berharga ini menurut Moody’s Investors Service, Inc. dan Fitch, Inc. adalah “B3” dan “B”.
As at 31 December 2004, the rating of the notes based on Moody’s Investors Service, Inc. and Fitch, Inc. was “B3” and “B” respectively.
Untuk keperluan perhitungan rasio kewajiban penyediaan modal minimum (CAR), seluruh pinjaman subordinasi di atas diperhitungkan sebagai modal pelengkap.
For the purpose of calculating the Capital Adequacy Ratio (CAR), the above subordinated debts are treated as supplementary capital.
26. MODAL PINJAMAN
26. LOAN CAPITAL
Pinjaman ini diperoleh dari PT Danamon International, eks pemegang saham pengendali, berdasarkan perjanjian tanggal 4 September 1997. Jangka waktu modal pinjaman ini adalah 8 tahun terhitung sejak tanggal 5 September 1997, serta dapat dilunasi sebelum jatuh tempo setelah Bank memperoleh persetujuan dari Bank Indonesia.
27. MODAL SAHAM
Loan capital was obtained from PT Danamon International, a former controlling shareholder in the Bank, based on an agreement dated 4 September 1997. The term of the loan capital is 8 years commencing on 5 September 1997, and can be settled at an earlier date after obtaining Bank Indonesia’s approval.
27. SHARE CAPITAL 31 Desember/December 2004
Pemegang saham Saham Seri A (nilai nominal Rp 50.000 (nilai penuh) per saham) Masyarakat Saham Seri B (nilai nominal Rp 500 (nilai penuh) per saham) PT. Perusahaan Pengelola Aset (PPA) (dahulu BPPN) Asia Financial (Indonesia) Pte. Ltd. Masyarakat
Jumlah saham ditempatkan dan disetor penuh/ Number of shares issued and fully paid
22,400,000
Persentase kepemilikan/ Percentage of ownership
0.46%
Jumlah nominal/ Nominal value
1,120,000
Shareholders A Series shares (Rp 50,000 (full amount) par value per share) Public
515,278,600
10.50%
3,226,616,720 1,142,626,680
65.75% 23.29%
B Series shares (Rp 500 (full amount) par value per share) PT.Perusahaan Pengelola Asset 257,639 (PPA) (formerly IBRA) Asia Financial (Indonesia) Pte. 1,613,309 Ltd. 571,313 Public
4,884,522,000
99.54%
2,442,261
4,906,922,000
100.00%
3,562,261
LAMPIRAN – 5/59 – SCHEDULE
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
27. MODAL SAHAM (lanjutan)
27. SHARE CAPITAL (continued)
31 Desember/December 2003
Pemegang saham Saham Seri A (nilai nominal Rp 50.000 (nilai penuh) per saham) Masyarakat Saham Seri B (nilai nominal Rp 500 (nilai penuh) per saham) PPA (dahulu BPPN) Asia Financial (Indonesia) Pte. Ltd Masyarakat
Jumlah saham ditempatkan dan disetor penuh/ Number of shares issued and fully paid
Persentase kepemilikan/ Percentage of ownership
22,400,000
Jumlah nominal/ Nominal value
0.46%
1,120,000
1,391,350,790
28.35%
695,676
3,036,232,720 456,938,490
61.88% 9.31%
1,518,116 228,469
4,884,522,000
99.54%
2,442,261
4,906,922,000
100.00%
3,562,261
Shareholders A Series shares (Rp 50,000 (full amount) par value per share) Public B Series shares (Rp 500 (full amount) par value per share) PPA (formerly IBRA) Asia Financial (Indonesia) Pte. Ltd. Public
31 Desember/December 2002
Pemegang saham Saham Seri A (nilai nominal Rp 10.000 (nilai penuh) per saham) Masyarakat Saham Seri B (nilai nominal Rp 100 (nilai penuh) per saham) PPA (dahulu BPPN) Masyarakat
Jumlah saham ditempatkan dan disetor penuh/ Number of shares issued and fully paid
Persentase kepemilikan/ Percentage of ownership
Jumlah nominal/ Nominal value
Shareholders
1,120,000
A Series shares (Rp 10,000 (full amount) par value per share) Public
99.35% 0.19%
2,437,606 4,655
B Series shares (Rp 100 (full amount) par value per share) PPA (formerly IBRA) Public
24,422,610,000
99.54%
2,442,261
24,534,610,000
100.00%
3,562,261
112,000,000
24,376,058,696 46,551,304
0.46%
Pada tanggal 16 Juni 2003 BPPN menjual 51% kepemilikan di Bank kepada Asia Financial (Indonesia) Pte. Ltd (“AFI”). Selain itu selama tahun 2004, BPPN juga melakukan penjualan saham ke masyarakat dan AFI sebesar 13,98% (2003: 9,11%) dan 3,87% (2003: 10,88%) dari kepemilikan BPPN di Bank.
On 16 June 2003, IBRA sold a 51% ownership in the Bank to Asia Financial (Indonesia) Pte. Ltd. (“AFI”). In addition, during 2004, IBRA sold 13.98% (2003: 9.11%) and 3.87% (2003: 10.88%) ownership interest to the public and AFI, respectively.
Pemegang saham akhir AFI adalah Temasek Holding Pte. Ltd., sebuah perusahaan investasi yang berkedudukan di Singapura dan dimiliki oleh Departemen Keuangan Singapura.
The ultimate shareholder of AFI is Temasek Holding Pte. Ltd., an investment holding company based in Singapore which is wholly owned by the Minister of Finance (Inc.) of Singapore.
LAMPIRAN – 5/60 – SCHEDULE
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
28. PENGGUNAAN LABA BERSIH
28. APPROPRIATION OF NET INCOME
Penggunaan laba bersih untuk tiga tahun buku terakhir adalah sebagai berikut :
The appropriation of net income for the last three financial years is as follows :
Laba bersih untuk tahun buku/ Net Income of financial year 2003 2002 2001 Pembagian dividen Pembagian tantiem Pembentukan cadangan umum dan wajib Saldo laba
611,200 19,635
569,041 11,855
143,527 5,280
15,200 883,541
9,484 358,022
574,503
1,529,576
948,402
723,310
Distribution of dividend Distribution of tantiem Allocation to general and legal reserve Retained earnings
Penggunaan laba untuk tahun buku tahun 2003 ditentukan berdasarkan keputusan Rapat Umum Pemegang Saham Tahunan tanggal 26 Maret 2004.
The appropriation of net income for the financial year 2003 is determined in accordance with a resolution passed at the Annual General Shareholders’ Meeting, dated 26 March 2004.
Pada tanggal 25 Pebruari 2004 dan 14 April 2004, Unit Pelaksanaan Penjaminan Pemerintah (Departemen Keuangan) telah menyetujui pembagian dividen tunai interim dan sisa dividen untuk tahun 2003 dengan jumlah seluruhnya sebesar Rp 611.200 (2002: Rp 569.041; 2001: Rp 143.527) atau sebesar Rp 125 (nilai penuh) (2002: Rp 116 (nilai penuh); 2001: Rp 21 (nilai penuh)) untuk setiap saham seri A dan seri B. Pembayaran dividen telah dilakukan pada bulan April 2004.
On 25 February 2004 and 14 April 2004, Unit Pelaksana Penjaminan Pemerintah (Ministry of Finance) approved an interim cash dividend and the remaining dividend distribution for the year 2003 in total amounting to Rp 611,200 (2002: Rp 569,041; 2001: Rp 143,527) or Rp 125 (full amount) (2002: Rp 116 (full amount); 2001: Rp 21 (full amount)) for each A and B series share. The dividend was paid in April 2004.
Pada tanggal 11 Nopember 2004, Rapat Direksi menyetujui pembagian dividen tunai interim untuk tahun buku 2004 sebesar Rp 877.000 atau Rp 178,78 (nilai penuh) per saham. Pembagian dividen ini telah disetujui oleh Unit Pelaksanaan Penjaminan Pemerintah (Departemen Keuangan) tanggal 11 Nopember 2004. Pembayaran dividen telah dilakukan pada tanggal 21 dan 22 Desember 2004.
On 11 November 2004, the Board of Directors approved the distribution of an interim cash dividend for the year 2004 of Rp 877,000 or Rp 178.73 (full amount) per share. This distribution has been approved by Unit Pelaksana Penjamin Pemerintah (Ministry of Finance) on 11 November 2004. The dividend was paid on 21 and 22 December 2004.
Pada tanggal 9 Pebruari 2004, para pemegang saham Anak Perusahaan menyetujui pembagian dividen tunai sebesar Rp 123.000 per saham (nilai penuh). Pembayaran dividen telah dilakukan pada tanggal 26 April 2004.
On 9 February 2004, the shareholders of the Subsidiary approved the distribution of cash dividend of Rp 123,000 per share (full amount). The dividend was paid on 26 April 2004.
LAMPIRAN – 5/61 – SCHEDULE
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
29. CADANGAN UMUM DAN WAJIB
29. GENERAL AND LEGAL RESERVE
Pada tanggal 31 Desember 2004, Bank telah membentuk penyisihan cadangan umum dan wajib sebesar Rp 24.684 (2003: Rp 9.484; 2002: Rp nihil) (lihat Catatan 28) sesuai dengan Undang-Undang No. 1/1995 mengenai Perseroan Terbatas, yang mengharuskan perusahaan-perusahaan untuk membuat penyisihan cadangan umum sebesar sekurang-kurangnya 20% dari jumlah modal yang ditempatkan dan disetor penuh. Undang-undang tersebut tidak mengatur jangka waktu untuk penyisihan tersebut.
As at 31 December 2004, the Bank has a general and legal reserve of Rp 24,684 (2003: Rp 9,484; 2002: Rp nil) (see Note 28) in accordance with Indonesian Limited Company Law No. 1/1995 which requires companies to set up a general reserve amounting to at least 20% of the issued and paid up share capital. There is no set period of time over which this amount should be provided.
30. PENDAPATAN BUNGA
30. INTEREST INCOME
Pendapatan bunga dari pihak-pihak yang mempunyai hubungan istimewa diungkapkan pada Catatan 40.
Pinjaman yang diberikan Obligasi Pemerintah Efek-efek dan tagihan lainnya Pendapatan pembiayaan konsumen Penempatan pada bank lain
Interest income from related parties is disclosed in Note 40.
2004
2003
2002
3,416,003 1,729,676 336,732 852,114 60,264
3,382,867 1,800,269 587,012 19,279
2,411,252 Loans 3,331,297 Government Bonds 700,150 Marketable securities and bills receivable Consumer financing income 117,897 Placements with other banks
6,394,789
5,789,427
6,560,596
31. BEBAN BUNGA
31. INTEREST EXPENSE
Beban bunga kepada pihak-pihak yang mempunyai hubungan istimewa diungkapkan pada Catatan 40.
Simpanan nasabah Pinjaman yang diterima dan simpanan dari bank lain Beban bunga dan keuangan atas pembiayaan konsumen Lain-lain
2004
2003
2002
1,690,491
2,742,173
4,414,023
457,272
406,788
268,797
127,899 100,741
89,531
140,872
2,376,403
3,238,492
4,823,692
32. BEBAN UMUM DAN ADMINISTRASI
Deposits from customers Borrowings and deposits from other banks Interest and finance charges in relation to consumer financing Others
32. GENERAL AND ADMINISTRATIVE EXPENSES 2004
Beban kantor Penyusutan Sewa Komunikasi Iklan dan promosi Lain-lain
Interest expense to related parties is disclosed in Note 40.
2003
2002
340,287 128,714 117,548 130,643 51,399 129,723
282,999 178,857 124,949 97,653 135,497 41,181
181,576 168,360 80,571 92,333 83,336 7,079
898,314
861,136
613,255
LAMPIRAN – 5/62 – SCHEDULE
Office expenses Depreciation Rental Communications Advertising and promotion Others
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
33. BEBAN TENAGA KERJA DAN TUNJANGAN
33. SALARIES AND EMPLOYEE BENEFITS
2004 Gaji dan upah Tunjangan karyawan Pendidikan dan pelatihan Lain-lain
2003
2002
529,636 474,172 58,250 67,230
285,145 377,861 33,106 38,144
254,027 189,301 19,405 41,082
1,129,288
734,256
503,815
Termasuk dalam gaji dan upah pada tahun 2004 adalah biaya pensiun dan imbalan kerja lainnya (lihat Catatan 36). Gaji dan kompensasi lainnya yang dibayarkan kepada Direksi dan Komisaris sejumlah Rp 49.844 (2003: Rp 27.263; 2002: Rp 21.011).
Included in 2004 salaries and wages are pension costs and other employee benefit costs (see Note 36). Salaries and other compensation benefits for Directors and Commissioners are Rp 49,844 (2003: Rp 27,263; 2002: Rp 21,011).
34. PENDAPATAN BUKAN OPERASIONAL
34. NON-OPERATING INCOME
2004 Laba penjualan aktiva tetap Laba penjualan penyertaan Pembalikan akun kewajiban sehubungan dengan transaksi sebelum penggabungan usaha Pembalikan kelebihan pencadangan kewajiban Penerimaan kembali atas pinjaman yang telah dihapus-bukukan Lain-lain
2003
2002
23,891 1,350
70,537 10,571
4,242 -
-
147,588
-
20,352
-
-
46,098 127,793
67,125
24,784
219,484
295,821
29,026
Termasuk di dalam akun lain-lain di atas adalah pendapatan dari penghabus-bukuan saldo escrow account sebesar Rp 72.000 pada saat proses penyelesaian DUG di Desember 2004 (lihat Catatan 16).
35. NON OPERATING EXPENSES 2004
36. DANA PENSIUN LAINNYA
DAN
Gain on sales of fixed assets Gain on sales of investment Write back of liability in relation to long outstanding reconciling items prior to merger Write back of excess of liability provided Recoveries of loan write-offs Others
Included in the others above is the income as a result of the escrow account release of Rp 72,000 during the DUG settlement process in December 2004 (see Note 16).
35. BEBAN BUKAN OPERASIONAL
Kerugian atas penjualan aktiva yang diambil alih Amortisasi goodwill (lihat Catatan 14) Cadangan penghapusan aktiva tetap (lihat Catatan 24) Lain-lain
Salaries and wages Employee benefits Education and training Others
2003
2002
96,239 86,974
502 -
-
55,000 96,486
64,663
42,277
334,699
65,165
42,277
IMBALAN
KERJA
36. PENSION PLAN BENEFITS
Loss on disposal of foreclosed assets Goodwill amoritsation (see Note 14) Provision for fixed assets written-off (see Note 24) Others
AND
OTHER
EMPLOYEE
Dana pensiun
Pension plan
Bank menyelenggarakan program pensiun iuran pasti untuk karyawan tetap yang memenuhi syarat yang dikelola dan diadministrasikan oleh PT Asuransi Jiwa Manulife Indonesia.
The Bank has a defined contribution retirement program covering its qualified permanent employees, which is administered by PT Asuransi Jiwa Manulife Indonesia.
Pada tanggal 31 Desember 2004, 2003 dan 2002, iuran pegawai dan Bank masing-masing adalah sebesar 3,75% dan 6,25% dari penghasilan dasar.
As at 31 December 2004, 2003 and 2002, the employees’ and Bank’s contributions are 3.75% and 6.25% respectively of the employees’ base salaries.
LAMPIRAN – 5/63 – SCHEDULE
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah) 36. DANA PENSIUN LAINNYA (lanjutan)
DAN
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
IMBALAN
KERJA
36. PENSION PLAN AND BENEFITS (continued)
OTHER
EMPLOYEE
Dana pensiun (lanjutan)
Pension plan (continued)
Pada tahun 2004, biaya pensiun sebesar Rp 18.210 (2003: Rp 11.140; 2002: Rp 10.858) telah dibebankan pada laporan laba rugi konsolidasian.
During 2004, pension costs amounting to Rp 18,210 (2003: Rp 11,140; 2002: Rp 10,858) were charged to the consolidated statement of income.
Imbalan kerja lainnya
Other employee benefits
Bank
Bank
Kewajiban atas imbalan kerja lainnya meliputi uang jasa, uang pisah, pesangon dan kompensasi lainnya dihitung oleh perusahaan konsultan aktuaria (PT Watson Wyatt) dengan menggunakan metode “Projected Unit Credit”.
The liability for other employee benefits consist of service payments, severance payments, termination benefits and other compensations is calculated by a licensed actuarial consulting firm (PT Watson Wyatt) using the “Projected Unit Credit” method.
Berikut ini adalah hal-hal penting yang diungkapkan dalam laporan aktuaria tanggal 4 Nopember 2004 dalam menghitung kewajiban imbalan kerja per tanggal 31 Juli 2004:
Following are the key matters disclosed in the actuarial report dated 4 November 2004 to calculate the employee benefits’ liability as at 31 July 2004:
Kewajiban imbalan kerja
Employee benefits liabilities 31 Juli/July 2004
Nilai kini kewajiban imbalan pasti Nilai wajar aktiva program Nilai yang belum diakui: - Kerugian aktuaria - Biaya jasa lalu - Kewajiban transisi Kewajiban
31 Desember/ December 2003
31 Desember/ December 2002
207,544 207,544
76,831 76,831
68,870 68,870
(29,311) (87,937) (2,971)
44,615 2,218 (57,807)
46,006 (63,275)
87,325
65,857
51,601
Biaya imbalan kerja
Present value of defined benefit obligation Fair value of plan assets Unrecognised amounts of: Actuarial loss Past service cost Transitional liability Liability
Employee benefits expenses 1 Januari/ January – 31 Juli/July 2004
1 Januari/ January – 31 Desember/ December 2003
1 Januari/ January – 31 Desember/ December 2002
Biaya jasa kini Biaya bunga atas kewajiban Hasil yang diharapkan dari aktiva program Amortisasi atas: - Kerugian aktuaria - Biaya jasa lalu - Kewajiban transisi Penyesuaian kewajiban
13,820 9,877
9,798 7,846
16,934 12,052
Current service cost Interest on obligation
-
-
-
Expected return on plan assets Amortisation of: Actuarial loss Past service cost Transitional liability Liability adjustment
Jumlah biaya
28,731
3,811 1,223 -
1,277 2,097 (373)
3,743 2,097 (24,815)
20,645
Dalam periode Agustus – Desember 2004, Bank membebankan biaya imbalan kerja sebesar Rp 11.269 pada laporan laba rugi konsolidasian, yang merupakan estimasi Manajemen atas biaya imbalan kerja untuk periode tersebut, sehingga biaya imbalan kerja untuk tahun yang berakhir 31 Desember 2004 adalah sebesar Rp 40.000 dan nilai kewajiban imbalan kerja yang diakui pada tanggal 31 Desember 2004 menjadi sebesar Rp 127.086.
10,011
Total expense
During the period August – December 2004, the Bank recognised employee benefit expenses of Rp 11,269 in the consolidated statement of income which represents the Management’s estimate of these costs for that period. Therefore the balance of employee benefit expenses for the year ended 31 December 2004 amounted to Rp 40,000 and the employee benefits’ liability as at 31 December 2004 amounts to Rp 127,086.
LAMPIRAN – 5/64 – SCHEDULE
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
36. DANA PENSIUN LAINNYA (lanjutan)
DAN
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
IMBALAN
KERJA
36. PENSION PLAN AND BENEFITS (continued)
Asumsi-asumsi utama yang digunakan dalam perhitungan diatas: Asumsi ekonomi: - Tingkat diskonto per tahun - TIngkat kenaikan penghasilan dasar per tahun Asumsi lainnya: - Tingkat kematian
- Tingkat cacat - Tingkat pengunduran diri peserta
- Tingkat pengunduran diri dipercepat - Usia pensiun normal
OTHER
EMPLOYEE
Key assumptions used in the above calculation:
10%
Economic assumptions: Annual discount rate -
8%
Annual salary growth rate -
Tabel mortalisasi (CSO 1980) / Commissioner’s Standard Ordinary table (CSO 1980) 10% dari CSO 1980 / 10% of CSO 1980 5% per tahun untuk peserta berusia 25 tahun dan menurun proporsional sampai 0% pada usia 45 tahun / 5% per annum at age 25 decreasing linearly to 0% per annum at age 45 1% per tahun dari usia 46 – 55 tahun / 1% flat for age between 46 – 55 55
Other assumptions: Table of mortality -
Disability rate Withdrawal rate -
Early retirement decrement Normal retirement age -
Anak Perusahaan
Subsidiary
Kewajiban imbalan kerja lainnya meliputi uang jasa, uang pisah, pesangon dan kompensasi lainnya dihitung oleh perusahaan konsultan aktuaria (PT Dayamandiri Dharmakonsolindo) dengan menggunakan metode “Projected Unit Credit”.
The liability for other employee benefits consist of service payments, severance payments, termination benefits and other compensations is calculated by a licensed actuarial consulting firm (PT Dayamandiri Dharmakonsolindo) using the “Projected Unit Credit” method.
Berikut ini adalah hal-hal penting yang diungkapkan dalam laporan aktuaria tanggal 5 Januari 2005 dalam menghitung kewajiban imbalan kerja per tanggal 31 Desember 2004:
Following are the key matters disclosed in the actuarial report dated 5 January 2005 to calculate the employee benefits’ liability as at 31 December 2004:
Kewajiban imbalan kerja
Employee benefits liabilities 31 Desember/ December 2004
Nilai kini kewajiban imbalan pasti Nilai wajar aktiva program
16,709 16,709
Nilai yang tidak diakui: - Kerugian aktuaria - Biaya jasa lalu - Kewajiban transisi
(5,227) (1,361) -
Kewajiban
10,121
LAMPIRAN – 5/65 – SCHEDULE
Present value of defined benefit obligation Fair value of plan assets Unrecognised amounts of: Actuarial loss Past service cost Transitional liability Liability
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
36. DANA PENSIUN LAINNYA (lanjutan)
DAN
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
IMBALAN
KERJA
36. PENSION PLAN AND BENEFITS (continued)
Biaya imbalan kerja
OTHER
EMPLOYEE
Employee benefits expenses 1 Januari/ January 31 Desember/ December 2004
Biaya jasa kini
4,376
Current service cost
Biaya bunga atas kewajiban Amortisasi untuk periode berjalan Biaya yang dibebankan ke laba rugi konsolidasian
1,819 385
Interest on obligation Amortisation for the period Expense recognised in consolidated statement of income
6,580
Asumsi-asumsi utama yang digunakan dalam perhitungan diatas:
Key assumptions used in the above calculation:
Asumsi ekonomi: - Tingkat diskonto per tahun - TIngkat kenaikan penghasilan dasar per tahun Asumsi lainnya: - Tingkat kematian
- Tingkat cacat - Tingkat pengunduran diri peserta
- Usia pensiun normal
Economic assumptions: Annual discount rate -
10%
Annual salary growth rate -
Tabel mortalisasi (CSO 1980) / Commissioner’s Standard Ordinary table (CSO 1980) 10% dari CSO 1980 / 10% of CSO 1980 5% per tahun untuk peserta berusia 25 tahun dan menurun proporsional sampai 0% per tahun pada usia 45 tahun dan 1% sampai usia 54 tahun 5% per annum at age 25 decreasing linearly to 0% per annum at age 45 and 1% per annum at age 54 55
Other assumptions: Table of mortality -
Disability rate Withdrawal rate -
Normal retirement age -
Bank dan Anak Perusahaan
Bank and Subsidiary
Berikut ini adalah mutasi kewajiban imbalan kerja Bank dan Anak Perusahaan untuk tahun yang berakhir 31 Desember:
Below is the movement of the employee benefits liability of the Bank and the Subsidiary as at 31 December:
2004 Saldo awal 1 Januari Penambahan cadangan yang dibebankan ke laba rugi konsolidasian tahun berjalan Pembayaran kepada karyawan Penyesuaian *) Kewajiban yang diakui di neraca konsolidasian pada tanggal 31 Desember *)
11%
2003
2002
104,132
51,601
47,601
46,580 (13,505) -
20,645 (9,429) 41,315
10,011 (6,011) -
137,207
104,132
Jumlah ini merupakan kewajiban transisi yang langsung dibebankan oleh Bank pada laporan laba rugi konsolidasian tahun 2003.
51,601
Beginning balance as at 1 January Additional provision charged to current year consolidated statement of income Payment to employees Adjustment *) Liability recognised in consolidated balance sheet as at 31 December
*) This amount represents transitional liability that is directly recognised by the Bank in the 2003 consolidated statement of income.
LAMPIRAN – 5/66 – SCHEDULE
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
37.
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
KOMPENSASI KARYAWAN BERBASIS SAHAM
37. EMPLOYEE STOCK OPTIONS
Dalam Rapat Umum Pemegang Saham Luar Biasa yang dilaksanakan pada tanggal 26 Maret 2004, pemegang saham menyetujui untuk memberikan hak opsi kepada Direksi dan Karyawan Senior Bank yang memenuhi persyaratan untuk membeli saham baru seri B sejumlah 164.125.000 lembar saham dengan tahap-tahap sebagai berikut: Jumlah saham/ Number of shares granted
At the Extraordinary General Shareholders’ Meeting held on 26 March 2004, the shareholders agreed to grant options to purchase 164,125,000 new shares B series to the Bank’s Directors and Senior Managements through the following grants:
Harga eksekusi/ Exercise price (nilai penuh)/ (full amount)
Tanggal pemberian/ Grant date
Periode eksekusi/ Exercise period
1 Juli/July 20051 Juli/July 2009 1 Januari/January 2007 8 Nopember/November 2009
Tahap I
66,025,000
1 Juli/July 2004
Tahap II
98,100,000
8 Nopember/ November 2004
2,451
Tranche I
2,451
Tranche II
164,125,000
Saham baru yang dibagikan akan diambil dari saham dalam portepel, dan bukan merupakan saham yang telah diterbitkan atau dibeli kembali.
The new shares are granted from the authorised capital, and not from issued or repurchased capital stock.
Beban kompensasi yang diakui dalam laporan keuangan konsolidasian untuk tahun yang berakhir pada tanggal 31 Desember 2004 sebesar Rp 37.326 dan dikreditkan ke akun modal disetor lainnya (2003 dan 2002 : Rp nihil).
Compensation costs recognised in the consolidated financial statements in relation to the employee stock options for the year ended 31 December 2004 were Rp 37,326 (2003 and 2002: Rp nil) and credited to other paid-up capital account.
Nilai wajar opsi ditentukan dengan menggunakan metode binomial dan asumsi-asumsi sebagai berikut:
The fair value of these options is estimated using the binomial method with the following assumptions:
Tingkat pengembalian dividen Ketidakstabilan harga yang diharapkan Suku bunga bebas risiko yang diharapkan Periode opsi yang diharapkan
Pemberian Tahap I/ Grant I
Pemberian Tahap II/ Grant II
4.13%
4.13%
Dividend yield
56.56%
56.56%
Expected volatility
10.94% 5 tahun/years
10.94% 5 tahun/years
Expected risk-free interest rate Expected period of the options
38. LABA BERSIH PER SAHAM DASAR
38. BASIC EARNINGS PER SHARE
Laba bersih per saham dasar dihitung dengan membagi laba bersih kepada pemegang saham dengan rata-rata tertimbang jumlah saham biasa yang beredar pada tahun bersangkutan. 2004
2003
Basic earnings per share is calculated by dividing net income attributable to shareholders by the weighted average number of ordinary shares outstanding during the year. 2002
Laba bersih kepada pemegang saham 2,408,079 1,529,576 948,402 Rata-rata tertimbang jumlah saham biasa yang beredar 4,906,922,000 4,906,922,000 4,906,922,000* Laba bersih per saham dasar 311.72 193.28* (nilai penuh) 490.75 * Disesuaikan dengan reverse stock split (lihat Catatan 2x) LAMPIRAN – 5/67 – SCHEDULE
Net income attributable to shareholders Weighted average number of ordinary shares outstanding Basic earnings per share (full amount) Adjusted for reverse stock split (see Note 2x) *
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
38. LABA BERSIH PER SAHAM DASAR (lanjutan)
38. BASIC EARNINGS PER SHARE (continued)
Dalam perhitungan laba bersih per saham dilusian, rata-rata tertimbang jumlah saham yang beredar disesuaikan dengan asumsi konversi seluruh potensi saham yang bersifat dilutif sejak tanggal potensi saham tersebut diterbitkan. Bank memiliki potensi saham yang bersifat dilutif dalam bentuk opsi saham.
In the calculation of diluted earnings per share, the outstanding weighted average number of shares is adjusted to assume conversion of all potential dilutive shares from the issuance date of stock options. The Bank has potential dilutive shares in the form of stock options.
Perhitungan yang dilakukan untuk opsi saham adalah untuk menentukan berapa jumlah saham yang dapat diperoleh dengan harga pasar (ditentukan sebagai harga rata-rata saham Bank selama setahun) berdasarkan nilai uang atas hak yang melekat pada opsi saham untuk menentukan unsur bonusnya. Penyesuaian terhadap laba bersih dan rata-rata tertimbang jumlah saham biasa yang beredar adalah sebagai berikut:
A dilution calculation for stock options is performed to determine the number of shares that could have been acquired at market price (determined as the average share price of the Bank for one year) based on the monetary value of the stock options to determine the bonus element. The adjustment to net income and the weighted average number of ordinary shares outstanding is as follows:
2004 Laba bersih untuk pemegang saham Rata-rata tertimbang jumlah saham biasa yang beredar
2,408,079
Net income attributable to shareholders
4,906,922,000
Weighted average number of ordinary shares outstanding
12,632,844
Adjustment for stock options
4,919,554,844
Weighted average number of ordinary shares for diluted earnings per shares
489.49
Diluted earnings per share (full amount)
Penyesuaian untuk opsi saham Rata-rata tertimbang jumlah saham biasa untuk perhitungan laba bersih per saham dilusian Laba bersih per saham dilusian (nilai penuh)
39. KOMITMEN DAN KONTINJENSI
39. COMMITMENTS AND CONTINGENCIES 2004
Tagihan komitmen - Pinjaman yang dibeli dari BPPN (lihat Catatan 9e) - Fasilitas pinjaman yang diterima dan belum digunakan - Pembelian tunai mata uang asing yang belum diselesaikan Jumlah tagihan komitmen Kewajiban komitmen - Fasilitas kredit kepada debitur yang belum digunakan - Kewajiban kepada BPPN berkaitan dengan pembelian pinjaman (lihat Catatan 9e) - Irrevocable letters of credit yang masih berjalan - Penjualan tunai mata uang asing yang belum diselesaikan - Lain-lain
2003
2002
-
-
497,187
-
-
9,072
- *)
18,535
12,083
Commitment receivables Loans purchased from IBRA (see Note 9e) Unused borrowing facilities Spot foreign currency purchased (unmatured)
-
18,535
518,342
Total commitment receivables
5,158,597
4,571,442
3,021,640
-
-
497,187
695,106
356,232
296,317
26,960 29,697
47,883 31,272
Commitment payables Unused loan facilities Liability to IBRA related to loans purchased (see Note 9e) Outstanding irrevocable letters of credit Spot foreign currency sold (unmatured) Others -
- *) 281
Jumlah kewajiban komitmen
5,853,984
4,984,331
3,894,299
Total commitment payables
Kewajiban komitmen, bersih
5,853,984
4,965,796
3,375,957
Commitment payables, net
LAMPIRAN – 5/68 – SCHEDULE
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
39. KOMITMEN DAN KONTINJENSI (lanjutan)
39. COMMITMENTS (continued)
2004 Tagihan kontinjensi - Pendapatan bunga dalam penyelesaian Kewajiban kontinjensi - Garansi yang diterbitkan dalam bentuk: - Standby letters of credit - Kredit kelolaan (lihat Catatan 9h) - Garansi bank
2003
61,243
AND
CONTINGENCIES
2002
47,418
99,145
Contingent receivables Interest receivable on non-performing assets Contingent payables Guarantees issued in the form of: Standby letters of credit -
81,822
39,679
5,908
352,024 566,383
352,561 415,343
354,026 384,950
Jumlah kewajiban kontinjensi
1,000,229
807,583
744,884
Total contingent payables
Kewajiban kontinjensi, bersih
938,986
760,165
645,739
Contingent payables, net
6,792,970
5,725,961
4,021,696
Commitment and contingent payables, net
Kewajiban komitmen dan kontinjensi, bersih
Channelling loans (see Note 9h) Bank guarantees -
*) Lihat Catatan 2i
Refer to Note 2i*)
40. INFORMASI MENGENAI PIHAK YANG MEMPUNYAI HUBUNGAN ISTIMEWA
40. RELATED PARTIES’ INFORMATION
Saldo dan transaksi dengan pihak-pihak yang mempunyai hubungan istimewa, kecuali pinjaman yang diberikan kepada Direksi dan karyawan kunci, diperlakukan sama dengan transaksi dengan pihak lainnya. 2004 Aktiva a. Efek-efek Obligasi Korporasi PT Indonesian Satelite Corporation Tbk b. Pinjaman yang diberikan Direksi dan karyawan kunci
Persentase terhadap total aktiva Kewajiban c. Simpanan nasabah Giro PPA (dahulu BPPN) Lain-lain Deposito berjangka PT Indonesian Satelite Corporation Tbk PPA (dahulu BPPN)
Balances and transactions with related parties, except loans to Directors and key management, are on normal commercial terms.
2003
2002
-
10,000
-
8,283
6,564
7,654
8,283
16,564
7,654
0.01%
0.03%
0.02%
588
356,151 509
391,777 -
525,700 76,049
260,996
804,880
602,337
617,656
1,196,657
LAMPIRAN – 5/69 – SCHEDULE
Assets Marketable securities a. Corporate Bonds PT Indonesian Satelite Corporation Tbk Loans to Directors and b. key management
Percentage of total assets Liabilities Deposits from customers c. Current accounts PPA (formerly IBRA) Others Time deposits PT Indonesian Satelite Corporation Tbk PPA (formerly IBRA)
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
40. INFORMASI MENGENAI PIHAK YANG MEMPUNYAI HUBUNGAN ISTIMEWA (lanjutan) 2004 Kewajiban (lanjutan) d. Biaya-biaya yang masih harus dibayar dan kewajiban lain-lain PPA (dahulu BPPN)
Persentase terhadap total kewajiban
2003
Persentase terhadap total beban bunga
27,760
25,860
603,041
645,416
1,222,517
1.19%
1.41%
2.89%
Percentage of total liabilities Statement of income Interest income e. PT Indonesian Satelite Corporation Tbk
-
1,677
-
-
0.03%
-
169
41,076
137,473
3,417 46
-
-
3,632
41,076
137,473
0.15%
1.27%
2.85%
Persentase terhadap total pendapatan operasional lainnya
-
-
5,100 2,296
-
-
7,396
-
-
1.27%
41. HAK MINORITAS
Hak minoritas akhir tahun
Percentage of total interest income Interest expense f. PPA (formerly IBRA) PT Indonesian Satelite Corporation Tbk Others
Percentage of total interest expense Other operating income g. PPA (formerly IBRA) Loan servicing fee Custodian service fee
Percentage of total other operating income
41. MINORITY INTEREST bersih
Anak
2004 Hak minoritas awal tahun Pembelian Anak Perusahaan Bagian hak minoritas atas laba / (rugi) bersih tahun berjalan Pembagian dividen Penjualan Anak Perusahaan Penyesuaian rugi bersih tahun 2002
Accruals and other liabilities d. PPA (formerly IBRA)
704
g. Pendapatan operasional lainnya PPA (dahulu BPPN) Imbalan kredit kelolaan Imbalan jasa penitipan
Hak minoritas atas kekayaan Perusahaan adalah sebagai berikut:
2002 Liabilities (continued)
Laba rugi e. Pendapatan bunga PT Indonesian Satelite Corporation Tbk Persentase terhadap total pendapatan bunga f. Beban bunga PPA (dahulu BPPN) PT Indonesian Satelite Corporation Tbk Lain-lain
40. RELATED PARTIES’ INFORMATION (continue)
The movements of the minority interest balance in the net assets of the Subsidiary are as follows:
2003
1,074 51,403 75,336 (1,074) 126,739
2002
1,909 (232) (400) (203) 1,074
LAMPIRAN – 5/70 – SCHEDULE
2,277 (368) -
Minority interest at the beginning of the year Acquisition of Subsidiary Net income/(loss) attributable to minority interest for the year Dividend distribution Disposal of Subsidiary
-
Adjustment of 2002 net losses
1,909
Minority interest at the end of the year
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
42. INFORMASI SEGMEN USAHA
42. BUSINESS SEGMENT INFORMATION
Informasi yang berkaitan dengan segmen usaha yang utama dari Bank dan Anak Perusahaan disajikan dalam tabel di bawah ini:
Keterangan
Pendapatan bunga bersih, operasional dan investasi/ Net interest, operating and investment income 2004 2003 2002
Information concerning the main business segments of the Bank and Subsidiary is set out in the table below:
Laba/(rugi) bersih/ Net income/(loss) 2004 2003 2002
Bank Syariah Anak Perusahaan: Pembiayaan Administrasi efek
4,562,461 4,305,346 2,594,105 2,407,464 29,690 11,730 1,242 615 301,345 -
(2,320)
Jumlah
5,446,556 4,318,361 2,599,451 2,709,424
1,527,256
Eliminasi Konsolidasi
854,405 -
(226,011)
1,285
-
4,104
-
1,535,049 942,755 (5,473) 5,647
2004
Jumlah aktiva/ Total assets 2003
57,342,275 294,982
52,458,105 221,916
(3,310)
1,588,978 -
11,587
945,092
59,226,235
52,691,608
2002
Description
46,834,724 77,829
Bank Syariah Subsidiary: Financing 19,283 Shares administration
46,931,836
Total
(301,345)
2,320
3,310
(414,470)
(9,665)
(20,490)
Elimination
5,220,545 4,318,361 2,599,451 2,408,079
1,529,576
948,402
58,811,765
52,681,943
46,911,346
Consolidated
43. RISIKO KREDIT
43. CREDIT RISK
Manajemen risiko kredit dilakukan sesuai dengan standar praktek terbaik yang berlaku umum. Risk scoring dan defined risk acceptance criteria diterapkan sesuai dengan kebutuhan. Bank juga memonitor perkembangan portofolio pinjaman secara terus menerus sebagai inisiatif langkah pencegahan jika terjadinya penurunan kualitas kredit. Sepanjang tahun, Bank melakukan penelaahan atas proses dan metode manajemen risiko kredit secara terus menerus dengan tujuan perbaikan.
Credit Risk Management is conducted in line with generally accepted best practice standards. Risk scoring and defined risk acceptance criteria are employed as applicable. The Bank is also monitoring the development of its loan portfolios continuously to initiate preventive action in case of a deterioration of credit quality. Throughout the year, the Bank has reviewed its credit risk management processes and methodologies on a regular basis with the objective of continous improvement.
Sistem dan prosedur kredit Bank telah dibakukan untuk menjamin penerapan kebijakan dan pelaksanaan pemberian pinjaman secara hati-hati oleh Bank dan akan dikaji oleh pihak yang independen. Keputusan kredit diambil berdasarkan kerangka kerja yang baik, dengan mempertimbangkan kebutuhan bisnis dan terdokumentasi dengan benar. Wewenang khusus pemberian kredit telah diberikan dengan mempertimbangkan pengalaman dan catatan masingmasing individual.
Formalised credit systems and processes are in place to ensure that prudent lending policies and practices are followed throughout the Bank and are subject to independent reviews. Lending decisions are taken within a well defined framework, taking into account business requirements, and are documented. Specific lending authority has been granted, considering experience and track record of individuals.
Komitmen yang berhubungan dengan kredit
Credit related commitments
Untuk tujuan menajemen risiko kredit, komitmen untuk memberikan kredit, garansi, standby letters of credit dan instrumen kredit sejenis lainnya dikaji berdasarkan prosedur, kebijakan dan mekanisme yang sama seperti pinjaman.
For the purpose of credit risk management, commitments to grant credits, guarantees, standby letters of credit and similar instruments are subject to the same policies, procedures and review mechanisms as loans.
LAMPIRAN – 5/71 – SCHEDULE
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
43. RISIKO KREDIT (lanjutan)
43. CREDIT RISK (continued)
Restrukturisasi pinjaman bermasalah
Restructured non performing loans
Restrukturisasi pinjaman dilakukan secara hati-hati dalam menyusun strategi, dengan mempertimbangkan kepentingan Bank, nasabah dan pihak-pihak lain yang berkepentingan. Perkembangan dari restrukturisasi dikaji secara berkala dan jika perlu melibatkan semua pihak yang berkepentingan. Jika diperlukan, penyesuaian lebih awal dilakukan untuk mengantisipasi memburuknya keadaan.
Loan restructuring is carried out following carefully developed strategies, taking into account the interest of the Bank, the borrower and other interested parties. The progress of the restructuring process is regularly reviewed if necessary involving all relevant parties. If appropriate, early adjustments to counteract adverse development are considered.
44. RISIKO VALUTA ASING
44. CURRENCY RISK
Risiko valuta asing Bank pada umumnya timbul dari perdagangan perorangan di pasar mata uang asing antar bank. Kegiatan perdagangan meliputi transaksi nilai tukar valuta asing spot dan kontrak valuta berjangka (forward) dan swap valuta asing. Risiko nilai tukar valuta asing dimonitor pada batas/limit yang telah ditentukan.
The Bank’s currency risk arises primarily from proprietary trading in the interbank foreign currency market. Trading activities include spot and forward foreign exchange transactions and currency swaps. Currency risk is managed within “pre-defined” limits.
Berikut ini adalah Posisi Devisa Neto Bank dalam nilai absolut, pada tanggal 31 Desember 2004, 2003 dan 2002 per mata uang, sesuai dengan peraturan Bank Indonesia.
Below is the Net Open Position, in absolute amounts, of the Bank as at 31 December 2004, 2003 and 2002, by currency based on Bank Indonesia regulations.
2004 Dolar Amerika Serikat Dolar Singapura Poundsterling Dolar Hongkong Euro Yen Dolar Australia Lain-lain
2003
2002
74,786 1,421 1,064 641 4,846 59 8,485 2,121
29,280 5,784 10,329 414 9,143 5,649 1,656 1,964
75,021 16,406 13,981 4,308 3,834 3,339 1,052 2,092
93,423
64,219
120,033
45. RISIKO LIKUIDITAS
United States Dollars Singapore Dollars Poundsterling Hongkong Dollars Euro Yen Australian Dollars Others
45. LIQUIDITY RISK
Kebijakan likuiditas Bank ditujukan untuk memastikan bahwa kebutuhan dana dapat dipenuhi, baik untuk mengganti deposito pada saat jatuh tempo atau untuk memenuhi permintaan akan pinjaman tambahan. Tingkat aktiva lancar yang memadai dipertahankan untuk menjamin likuiditas yang terkendali secara terus menerus.
The Bank’s liquidity policy is based on ensuring that funding requirements can be met, both to replace existing deposits as they mature and to satisfy the demands for additional borrowings. Appropriate levels of liquid assets are held to ensure a prudent level of liquidity is maintained at all times.
LAMPIRAN – 5/72 – SCHEDULE
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
45. RISIKO LIKUIDITAS (lanjutan)
45. LIQUIDITY RISK (continued)
Tabel berikut ini menggambarkan analisis jatuh tempo aktiva dan hutang Bank dan Anak Perusahaan dihitung berdasarkan sisa periode pada akhir tahun sampai tanggal jatuh tempo sesuai kontrak.
The following table analyses assets and liabilities of the Bank and its Subsidiary into relevant maturity groupings at the year end based on the remaining period to the contractual maturity date.
2004
Nilai tercatat/ Carrying value
Tidak mempunyai kontrak jatuh tempo/ No contractual maturity
Kurang dari/ Less 1 bulan/month
1-3 bulan/months
3-6 bulan/months
6 - 12 bulan/months
Lebih dari/ More than 12 bulan/months
AKTIVA Kas Giro pada Bank Indonesia Giro pada bank lain - bruto Penempatan pada bank lain - bruto
753,256
-
753,256
-
-
-
-
2,662,100
-
2,662,100
-
-
-
-
650,722
-
650,722
-
-
-
-
728,390
-
189,285
306,980
232,125
-
-
Efek-efek - bruto: Diperdagangkan Tersedia untuk dijual Dimiliki hingga jatuh tempo
1,770,633 911,394
-
1,514,031 50,500
182,925
-
-
256,602 677,969
863,512
-
299,679
-
-
-
563,833
20,450 23,219
-
20,450 23,219
-
-
-
29,415,593
-
1,959,837
2,286,564
2,434,311
3,994,421
18,740,460
869,620
-
21,397
210,323
116,788
199,289
321,823
522,884
-
145,956
210,953
165,975
-
-
289,789 5,077,626
-
-
-
-
-
289,789 5,077,626
11,956,774 77,037 608,815 1,297,171 178,626
77,037 608,815 1,297,171 178,626
-
-
882,488 -
-
11,074,286 -
1,882,104
1,528,823
-
-
353,281
-
-
60,559,715
3,690,472
8,290,432
3,197,745
4,184,968
4,193,710
37,002,388
Efek yang dibeli dengan janji dijual kembali - bruto Tagihan derivatif - bruto Pinjaman yang diberikan - bruto Piutang pembiayaan konsumen - bruto Tagihan akseptasi - bruto Obiligasi Pemerintah Diperdagangkan Tersedia untuk dijual Dimiliki hingga jatuh tempo Pajak dibayar dimuka Penyertaan - bruto Goodwill - bersih Aktiva tetap - bersih Aktiva pajak tangguhan Biaya dibayar di muka dan aktiva lain-lain - bruto Jumlah Dikurangi: Penyisihan kerugian dan pendapatan di tangguhkan KEWAJIBAN Kewajiban segera Simpanan nasabah Simpanan dari bank lain Efek yang dijual dengan janji dibeli kembali Kewajiban akseptasi Obligasi yang diterbitkan Pinjaman yang diterima Hutang pajak Penyisihan kerugian atas transaksi pada rekening administratif Kewajiban derivatif Kewajiban pajak tangguhan Biaya yang masih harus dibayar dan kewajiban lain-lain Pinjaman subordinasi Modal pinjaman Perbedaan jatuh tempo
ASSETS Cash Current accounts with Bank Indonesia Current accounts with other banks - gross Placements with other banks - gross Marketable securitiesgross: Trading Available for sale
Held to maturity Securities purchased under resale agreement - gross - Derivative receivables- gross Loans – gross Consumer financing receivables - gross Acceptance receivables - gross Government Bonds Trading Available for sale Held to maturity Prepaid taxes Investments - gross Goodwill - net Fixed assets - net Defered tax asset Prepayments and other assets - gross Total Less:
(1,747,950)
(1,747,950)
-
-
-
-
-
58,811,765
1,942,522
8,290,432
3,197,745
4,184,968
4,193,710
37,002,388
112,317 40,282,715 1,040,445
-
112,317 35,312,550 450,380
3,822,053 75,800
442,737 254,000
489,365 260,265
1,000,000 522,884 493,422 1,294,445 252,123
-
145,956 244,530 -
210,953 165,871 252,123
165,975 39,181 -
5,346 -
346,432 6,237 76,846
346,432 76,846
6,237 -
-
-
-
1,828,630 3,469,587 155,000
1,660,654 -
51,719 124,320 -
116,257 -
-
155,000
50,881,083
2,083,932
36,448,009
4,643,057
901,893
909,976
5,894,216
7,930,682
(141,410)
(28,157,577)
(1,445,312)
3,283,075
3,283,734
31,108,172
LAMPIRAN – 5/73 – SCHEDULE
Allowance for possible losses and deferred income
LIABILITIES - Obligation due immediately 216,010 Deposits from customers - Deposits from other banks Securities sold under 1,000,000 repurchase agreements Acceptances payables 493,422 Bond issued 839,517 Borrowings Taxes payable Allowance for possible losses on off balance sheet transactions Derivative payables Deferred tax liabilities 3,345,267 -
Accruals and other liabilities Subordinated debts Loan capital
Maturity gap
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
45. RISIKO LIKUIDITAS (lanjutan)
45. LIQUIDITY RISK (continued)
2003
Nilai tercatat/ Carrying value
AKTIVA Kas Giro pada Bank Indonesia Giro pada bank lain - bruto Penempatan pada bank lain - bruto Efek-efek – bruto: Diperdagangkan Tersedia untuk dijual Dimiliki hingga jatuh tempo Tagihan derivatif – bruto Pinjaman yang diberikan - bruto Tagihan akseptasi - bruto Obligasi pemerintah: Diperdagangkan Tersedia untuk dijual Dimiliki hingga jatuh tempo Pajak dibayar dimuka Penyertaan – bruto Aktiva tetap – bersih Aktiva pajak tangguhan Biaya dibayar di muka dan aktiva lain-lain - bruto Jumlah
Tidak mempunyai kontrak jatuh tempo/ No contractual maturity
Kurang dari/ Less than 1 bulan/month
1-3 bulan/months
3-6 bulan/months
6 - 12 bulan/months
Lebih dari/ More than 12 bulan/months
-
1,011,873
-
-
-
-
2,152,945
-
2,152,945
-
-
-
-
672,505
-
672,505
-
-
-
-
2,086,588
-
2,041,588
45,000
-
-
-
3,422,629 851,855
-
3,024,667 -
33,567 -
13,358 625,486
16,532 39,577
334,505 186,792
203,566 731
-
367 731
117,991 -
3,193 -
-
22,717,577
-
1,135,930
3,060,812
3,377,531
2,829,296
12,314,008
419,309
-
104,463
165,924
147,433
1,489
-
1,886,473 7,814,838
-
-
-
-
797,416 -
1,089,057 7,814,838
Loans - gross Acceptances receivable- gross Government bonds: Trading Available for sale
11,532,385 3,727 42,789 615,353
3,727 42,789 615,353
-
-
-
-
11,532,385 -
Held to maturity Prepaid taxes Investments - gross Fixed assets - net
285,634
285,634
-
-
-
-
-
1,483,865
1,483,865
-
-
-
-
-
Deferred tax asset Prepayments and other assets – gross
57,204,642
2,431,368
10,145,069
3,423,294
4,167,001
3,684,310
33,353,600
82,015 Held to maturity - Derivative receivables - gross
Dikurangi: Penyisihan kerugian dan pendapatan ditangguhkan
KEWAJIBAN Kewajiban segera Simpanan nasabah Simpanan dari bank lain Efek yang dijual dengan janji dibeli kembali Kewajiban akseptasi Pinjaman yang diterima Hutang pajak Penyisihan kerugian atas transaksi pada rekening administratif Kewajiban derivatif Biaya yang masih harus dibayar dan kewajiban lain-lain Pinjaman subordinasi Modal pinjaman Perbedaan jatuh tempo
ASSETS Cash Current accounts with Bank Indonesia Current accounts with other banks - gross Placements with other banks - gross Marketable securitiesgross: Trading Available for sale
1,011,873
Total Less:
(4,522,699)
(4,522,699)
-
-
-
-
-
52,681,943
(2,091,331)
10,145,069
3,423,294
4,167,001
3,684,310
33,353,600 LIABILITIES - Obligation due immediately 44,510 Deposits from customers - Deposits from other banks Securities sold under 1,000,000 repurchase agreements Acceptance payables 765,574 Borrowings Taxes payable Allowance for possible losses on off balance sheet transactions Derivative payables
114,019 39,799,609 420,950
-
114,019 35,483,908 418,300
3,472,314 2,650
405,184 -
393,693 -
1,000,000 419,309 1,213,564 7,132
-
104,463 13,987 7,132
165,924 14,705 -
147,433 378,165 -
1,489 41,133 -
367,030 9,799
367,030 -
9,799
-
-
-
1,652,491 699,767 155,000
943,036 -
709,455 124,320 -
-
-
-
575,447 155,000
45,858,670
1,310,066
36,985,383
3,655,593
930,782
436,315
2,540,531
6,823,273
(3,401,397)
(26,840,314)
(232,299)
3,236,219
3,247,995
30,813,069
LAMPIRAN – 5/74 – SCHEDULE
Allowance for possible losses and deferred income
Accruals and other liabilities Subordinated debts Loan capital
Maturity gap
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
45. RISIKO LIKUIDITAS (lanjutan)
45. LIQUIDITY RISK (continued)
2002
Nilai tercatat/ Carrying value
AKTIVA Kas Giro pada Bank Indonesia Giro pada bank lain - bruto Penempatan pada bank lain - bruto Efek-efek - bruto: Diperdagangkan Dimiliki hingga jatuh tempo Tagihan derivatif – bersih Pinjaman yang diberikan - bruto Tagihan akseptasi - bruto Obligasi pemerintah: Diperdagangkan Dimiliki hingga jatuh tempo Pajak dibayar dimuka Penyertaan Aktiva tetap – bersih Aktiva pajak tangguhan Biaya dibayar di muka dan aktiva lain-lain - bruto Jumlah
Tidak mempunyai kontrak jatuh tempo/ No contractual maturity
Kurang dari/ Less 1 bulan/month
1-3 bulan/months
3-6 bulan/months
6 - 12 bulan/months
Lebih dari/ More than 12 bulan/months
-
1,052,192
-
-
-
-
1,747,820
-
1,747,820
-
-
-
-
345,652
-
345,652
-
-
-
-
1,490,259
-
1,236,882
66,690
186,687
-
-
3,912,374
-
3,544,252
141,744
8,605
24,888
192,885
2,828,476 29
-
29
-
1,050,762 -
30,000 -
18,197,373
-
333,629
80,134
466,659
926,944
16,390,007
180,466
-
34,707
100,633
45,126
-
-
6,952,645
-
1,699,000
1,267,000
1,777,173
1,270,148
939,324
Loans - gross Acceptance receivables- gross Government bonds: Trading
8,687,079 7,459 43,531 666,385
7,459 43,531 666,385
-
-
-
-
8,687,079 -
Held to maturity Prepaid tax Investments Fixed assets - net
328,830
328,830
-
-
-
-
-
2,126,641
2,126,641
-
-
-
-
-
Deferred tax asset Prepayments and other assets - gross
48,567,211
3,172,846
9,994,163
1,656,201
3,535,012
2,251,980
27,957,009
Total Less: Allowance for possible losses
1,747,714 Held to maturity - Derivative receivables - net
Dikurangi: Penyisihan kerugian
KEWAJIBAN Kewajiban segera Simpanan nasabah Simpanan dari bank lain Efek yang dijual dengan janji dibeli kembali Kewajiban akseptasi Pinjaman yang diterima Hutang pajak Penyisihan kerugian atas transaksi pada rekening administratif Kewajiban derivatif Biaya yang masih harus dibayar dan kewajiban lain-lain Pinjaman subordinasi Modal pinjaman
Perbedaan jatuh tempo
ASSETS Cash Current accounts with Bank Indonesia Current accounts with other banks - gross Placements with other banks - gross Marketable securitiesgross: Trading
1,052,192
(1,655,865)
(1,655,865)
-
-
-
-
-
46,911,346
1,516,981
9,994,163
1,656,201
3,535,012
2,251,980
27,957,009
183,940 34,897,664 436,013
-
183,940 32,742,675 416,288
1,688,904 18,225
308,379 -
101,671 1,500
1,500,000 180,466 1,481,174 5,224
-
34,707 69,200 5,224
100,633 11,206 -
500,000 45,126 415,502 -
35,703 -
366,661 3
366,661 -
3
-
-
-
2,318,721 731,759 155,000
1,453,193 -
865,528 -
3,290 -
5 -
3,696 -
724,768 155,000
42,256,625
1,819,854
34,317,565
1,822,258
1,269,012
142,570
2,885,366
4,654,721
(302,873)
(24,323,402)
(166,057)
2,266,000
2,109,410
25,071,643
LAMPIRAN – 5/75 – SCHEDULE
LIABILITIES - Obligation due immediately 56,035 Deposits from customers - Deposits from other banks Securities sold under 1,000,000 repurchase agreements Acceptance payables 949,563 Borrowings Taxes payable Allowance for possible losses on off balance sheet transactions Derivative payables Accruals and other liabilities Subordinated debts Loan capital
Maturity gap
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
46. RISIKO TINGKAT SUKU BUNGA
46. INTEREST RATE RISK
Risiko tingkat suku bunga timbul dari berbagai layanan perbankan bagi nasabah. Bank juga melakukan aktivitas perdagangan investasi dan perorangan.
Interest rate risk arises from provision of a variety of banking services to customers. The Bank also conducts proprietary trading and investment activities.
Tujuan utama pengelolaan tingkat suku bunga adalah untuk membatasi dampak buruk dari pergerakan tingkat suku bunga terhadap laba dan untuk meningkatkan pendapatan di dalam batasan tertentu. Bila aktivitas lindung nilai alami masih menghasilkan ketidakcocokan (mismatch) tingkat suku bunga, lindung nilai dilakukan di dalam batasan yang telah ditentukan sebelumnya melalui penggunaan instrumen keuangan fisik dan instrumen keuangan derivatif lainnya. Sebagian besar deposito nasabah dan pinjaman yang diberikan dengan tingkat suku bunga mengambang, berkaitan langsung dengan tingkat suku bunga pasar atau tingkat suku bunga yang diumumkan, yang disesuaikan secara periodik guna mencerminkan pergerakan pasar.
The main objective of the management of interest rate risks is to limit the adverse effect of interest rate movements on profits and to enhance earnings within defined parameters. Where natural hedging still leaves a resultant interest rate mismatch, these are hedged within pre-defined limits through the use of physical financial instruments and other derivative financial instruments. A substantial proportion of customer deposits and lending at floating interest rate, is either directly linked to market rates or based upon published rates which are periodically adjusted to reflect market movements.
Tabel di bawah merangkum tingkat suku bunga ratarata untuk Rupiah dan mata uang asing.
The table below summarises the annual average interest rates for Rupiah and foreign currencies.
2004
AKTIVA Penempatan pada bank lain Efek-efek Pinjaman yang diberikan Piutang pembiayaan konsumen Obligasi Pemerintah KEWAJIBAN Simpanan nasabah - Giro - Tabungan - Deposito Berjangka Simpanan dari bank lain Pinjaman yang diterima Obligasi yang diterbitkan Pinjaman subordinasi
2003
2002
Rupiah/ Rupiah %
Mata Uang Asing/ Foreign Currency %
Rupiah/ Rupiah %
Mata Uang Asing/ Foreign Currency %
7.12 12.19 15.36
1.06 7.35 5.82
9.47 14.98 17.97
1.00 6.98 6.96
13.66 14.93 19.12
1.53 4.22 6.91
29.00 9.58
6.76
11.55
7.75
15.14
7.75
ASSETS Placements with other banks Marketable securities Loans Consumer financing receivables Government Bonds
2.06 3.02 5.06 -
LIABILITIES Deposits from customers Current accounts Savings Time Deposits Deposits from other banks Borrowings Bonds issued Subordinated debts
2.55 3.47 6.37 6.73 8.66 14.125 2.26
0.52 0.72 0.76 2.79 7.76
5.38 7.62 10.24 7.58 10.39 3.03
1.23 1.97 1.10 4.34 -
LAMPIRAN – 5/76 – SCHEDULE
Rupiah/ Rupiah %
6.56 10.35 15.46 11.24 8.27 3.03
Mata Uang Asing/ Foreign Currency %
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
47. RISIKO OPERASIONAL
47. OPERATIONAL RISK
Risiko operasional adalah risiko kerugian karena ketidakcukupan dan kegagalan proses internal, kesalahan manusia, sistem, kejahatan internal ataupun eksternal, atau problem eksternal yang berakibat pada kegiatan operasi bank.
Operational risk is the risk of losses caused by inadequacy and failure of internal processes, human error, systems, internal or external fraud, or external problems affecting the operations of the bank.
Kerangka kerja yang sistematis diterapkan untuk memastikan agar risiko operasional dapat diindentifikasi dan dikendalikan. Termasuk di dalamnya adalah berbagai pengendalian seperti penetapan kebijakan dan prosedur secara tertulis dan program Control Self Assessment. Pengendalian tersebut akan ditinjau kembali dan disempurnakan secara berkala.
A systematic framework is in place to ensure operational risks are identified and controlled. This encompasses a variety of controls including formal policies, and a Control Self Assessment programme. These controls are subject to frequent independent reviews and regular improvements.
48. AKTIVITAS FIDUCIARY
48. FIDUCIARY ACTIVITIES
Bank menyediakan jasa kustodi, trustee, pengelolaan investasi dan reksadana kepada pihak-pihak ketiga. Aktiva yang terdapat dalam aktivitas fiduciary tidak termasuk dalam laporan keuangan konsolidasian ini. Jumlah komisi yang diterima dari pemberian jasa ini untuk tahun yang berakhir 31 Desember 2004 adalah Rp 5.184 (2003: Rp 7.224; 2002: Rp nihil).
49. RASIO KEWAJIBAN MINIMUM
PENYEDIAAN
MODAL
2004
The Bank provides custodial, trustee, investment management and mutual fund services to third parties. Assets that are held in a fiduciary capacity are not included in these consolidated financial statements. Total fees received from these services for the year ended 31 December 2004 was Rp 5,184 (2003: Rp 7,224; 2002: Rp nil).
49. CAPITAL ADEQUACY RATIO
2003
Bank (tanpa memperhitungkan risiko pasar) Aktiva Tertimbang Menurut Risiko 33,541,936 Total modal 9,057,238 Rasio Kewajiban Penyediaan Modal Minimum 27.00% Bank (dengan memperhitungkan risiko pasar) Aktiva Tertimbang Menurut Risiko 35,328,476 Total modal 9,057,238 Rasio Kewajiban Penyediaan Modal Minimum 25.64%
2002
22,905,594 6,147,540
20,540,144 5,202,682
26.84%
25.33%
24,497,549 6,147,540
-
25.09%
-
Rasio Kewajiban Penyediaan Modal Minimum dengan memperhitungkan perubahan risiko pasar disajikan hanya untuk informasi.
Bank only (without market risk charge) Risk Weighted Assets Total capital Capital Adequacy Ratio Bank only (with market risk charge) Risk Weighted Assets Total capital Capital Adequacy Ratio
The Capital Adequacy Ratio including a charge for market risk is provided for information only.
LAMPIRAN – 5/77 – SCHEDULE
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
50. PELAKSANAAN KUASI-REORGANISASI
50. IMPLEMENTATION OF QUASI – REORGANISATION
Pada tanggal 31 Desember 2000, Bank mempunyai saldo defisit sebesar Rp 32.028.390 dan saldo negatif “selisih nilai transaksi restrukturisasi entitas sepengendali” sebesar Rp 26.396.157, yang terjadi sehubungan dengan penggabungan usaha 8 BTO dengan Bank.
As at 31 December 2000, the Bank had an accumulated deficit of Rp 32,028,390 and a negative balance of “difference arising from restructuring transactions of entities under common control” amounting to Rp 26,396,157, which was incurred in relation to the merger of the 8 BTOs with the Bank.
Bank telah melaksanakan kuasi-reorganisasi pada tanggal 1 Januari 2001 sehingga aktiva bersih Bank sesudah kuasi-reorganisasi turun sebesar Rp 940.441, yang terutama berasal dari penurunan Obligasi Pemerintah dan pinjaman yang diberikan.
The Bank implemented a quasi-reorganisation as at 1 January 2001, which resulted in the Bank’s net assets, after quasi-reorganisation, decreasing by Rp 940,441, which principally arose from the decrease in book value of Government Bonds and loans.
Sebagai akibat kuasi-reorganisasi, defisit sebesar Rp 32.968.831 (setelah penyesuaian dampak penurunan aktiva bersih karena penilaian kembali aktiva dan kewajiban Bank pada tanggal 1 Januari 2001 sebesar Rp 940.441) dan saldo negatif selisih nilai transaksi restrukturisasi entitas sepengendali sebesar Rp 26.396.157, dihapus ke akun tambahan modal disetor sehingga tambahan modal disetor menjadi tersisa sebesar Rp 25.412.
As a result of the quasi-reorganisation, the deficit amounted to Rp 32,968,831 (after the effect of the decrement in net assets of Rp 940,441 at 1 January 2001 due to revaluation of asset and liabilities) and the negative balance of the difference arising from restructuring transactions of entities under common control which amounted to Rp 26,396,157, was eliminated against additional paid-up capital, thus resulting in an additional paid-up capital balance of Rp 25,412.
51. STANDAR AKUNTANSI BARU
51. PROSPECTIVE ACCOUNTING PRONOUNCEMENT
Ikatan Akuntan Indonesia (IAI) mengeluarkan PSAK No. 38 (revisi 2004) tentang “Akuntansi Restrukturisasi Entitas Sepengendali” dan PSAK No. 24 (revisi 2004) tentang “Akuntansi Biaya Manfaat Pensiun” yang masing-masing mulai berlaku efektif untuk tahun buku dimulai sejak atau sesudah tanggal 1 Januari 2005 dan 1 Juli 2004. IAI juga mengeluarkan Exposure Draft PSAK No. 16 (revisi) tentang “Aktiva Tetap”.
52. SUBSEQUENT EVENT
The Indonesian Institute of Accounts issued PSAK No. 38 (revised 2004) regarding “Accounting for Restructuring Transactions between Entitites Under Common Control” and PSAK No. 24 (revised 2004) regarding “Employee Benefits” which will be effective for financial statements covering periods commencing on or after 1 January 2005 and 1 July 2004 respectively. IAI also issued Exposure Draft PSAK No. 16 (revised) regarding “Fixed Assets”.
52. SUBSEQUENT EVENT
Bank berencana menerbitkan obligasi dalam Rupiah di tahun 2005 yang akan dicatatkan di bursa efek di Indonesia.
53. INFORMASI KEUANGAN TAMBAHAN
The Bank plans to issue IDR senior debt in 2005 which will be registered on the Indonesian stock exchanges.
53. SUPPLEMENTARY FINANCIAL INFORMATION
Informasi berikut pada lampiran 6/1 sampai dengan lampiran 6/8 adalah informasi keuangan tambahan PT Bank Danamon Indonesia Tbk, induk perusahaan saja, yang menyajikan penyertaan Bank pada Anak Perusahaan berdasarkan metode ekuitas.
The following supplementary financial information of PT Bank Danamon Indonesia Tbk, parent company only, on schedule 6/1 to schedule 6/8, presents the Bank’s investment in its Subsidiary under the equity method.
LAMPIRAN – 5/78 – SCHEDULE
PT BANK DANAMON INDONESIA Tbk DAN ANAK PERUSAHAAN / AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
53. INFORMASI KEUANGAN TAMBAHAN (lanjutan)
Oleh karena perbedaan antara laporan keuangan induk perusahaan saja dengan laporan keuangan konsolidasian tidak material, maka catatan atas laporan keuangan, induk perusahaan saja, tidak disajikan dalam informasi keuangan tambahan ini.
53. SUPPLEMENTARY (continued)
FINANCIAL
INFORMATION
On the basis that the differences between the parent company only and consolidated financial statements are not material, notes to the parent company only financial statements have not been included in this supplementary financial information.
LAMPIRAN – 5/79 – SCHEDULE
INFORMASI KEUANGAN TAMBAHAN / SUPPLEMENTARY FINANCIAL INFORMATION PT BANK DANAMON INDONESIA Tbk INDUK PERUSAHAAN / PARENT COMPANY NERACA 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah, kecuali nilai nominal per saham)
BALANCE SHEETS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah except par value per share) 2004
2003
2002
AKTIVA Kas Giro pada Bank Indonesia Giro pada bank lain setelah dikurangi penyisihan kerugian sebesar Rp 5.169 pada tahun 2004 (2003: Rp 6.725; 2002: Rp. 3.457) Penempatan pada bank lain setelah dikurangi penyisihan kerugian sebesar Rp 7.264 pada tahun 2004 (2003: Rp 20.866; 2002: Rp 14.903) Efek-efek setelah dikurangi penyisihan kerugian sebesar Rp 17.317 pada tahun 2004 (2003: Rp 14.975; 2002: Rp 30.910) - Pihak yang mempunyai hubungan istimewa - Pihak ketiga Efek yang dibeli dengan janji dijual kembali setelah dikurangi penyisihan kerugian sebesar Rp 205 pada tahun 2004 (2003 dan 2002: Rp nihil) Tagihan derivatif setelah dikurangi penyisihan kerugian sebesar Rp 233 pada tahun 2004 (2003: Rp 7; 2002: Rp nihil) Pinjaman yang diberikan setelah dikurangi penyisihan kerugian sebesar Rp 1.606.597 pada tahun 2004 (2003: Rp 4.323.969; 2002: Rp 1.570.874) dan pendapatan yang ditangguhkan sebesar Rp 76.421 pada tahun 2004 (2003: Rp 117.224; 2002: Rp nihil) - Pihak yang mempunyai hubungan istimewa - Pihak ketiga Tagihan akseptasi setelah dikurangi penyisihan kerugian sebesar Rp 5.835 pada tahun 2004 (2003: Rp 7.197; 2002: Rp 2.722) Obligasi Pemerintah Pajak dibayar dimuka Penyertaan setelah dikurangi penyisihan penurunan nilai investasi sebesar Rp 10.315 pada tahun 2004 (2003: Rp 1.874; 2002: Rp 4.548) dan amortisasi goodwill sebesar Rp 86.974 pada tahun 2004 (2003 dan 2002: Rp nihil) Aktiva tetap setelah dikurangi akumulasi penyusutan sebesar Rp 602.600 pada tahun 2004 (2003: Rp 541.593; 2002: Rp 444.966) Aktiva pajak tangguhan Biaya dibayar di muka dan aktiva lain-lain setelah dikurangi penyisihan kerugian sebesar Rp 4.687 pada tahun 2004 (2003: Rp 29.862; 2002: Rp 28.451) JUMLAH AKTIVA
ASSETS 732,430
1,011,870
1,052,189
2,662,100
2,152,945
1,747,820
511,743
662,050
337,252
719,126
2,065,722
1,475,356
3,528,222
10,000 4,453,075
6,709,940
Cash Current accounts with Bank Indonesia Current accounts with other banks net of allowance for possible losses of Rp 5,169 in 2004 (2003: Rp 6,725; 2002: Rp 3,457) Placements with other banks net of allowance for possible losses of Rp 7,264 in 2004 (2003: Rp 20,866; 2002: Rp 14,903) Marketable securities net of allowance for possible losses of Rp 17,317 in 2004 (2003: Rp 14,975; 2002: Rp 30,910) Related parties Third parties Securities purchased under resale agreements net of allowance for possible losses of Rp 205 in 2004 (2003 and 2002: Rp nil) Derivative receivables net of allowance for possible losses of Rp 233 in 2004 (2003: Rp 7; 2002: Rp nil) Loans net of allowance for possible losses of Rp 1,606,597 in 2004 (2003: Rp 4,323,969; 2002: Rp 1,570,874) and deferred income of Rp 76,421 in 2004 (2003: Rp 117,224; 2002: Rp nil)
20,245
-
-
22,986
724
29
8,283 27,724,292
6,564 18,269,414
7,654 16,618,287
517,049 17,324,189 -
412,112 21,233,696 3,047
177,744 15,639,724 3,047
1,020,169
49,987
55,569
1,185,549 178,626
613,562 285,499
662,818 328,830
1,482,248
1,449,758
2,092,981
Related parties Third parties Acceptance receivables net of allowance for possible losses of Rp 5,835 in 2004 (2003: Rp 7,197; 2002: Rp 2,722) Government Bonds Prepaid taxes Investments net of allowances for diminution in value of Rp 10,315 in 2004 (2003: Rp 1,874; 2002: Rp 4,548) and goodwill amortisation of Rp 86,974 in 2004 (2003 and 2002: Rp nil). Fixed assets net of accumulated depreciation of Rp 602,600 in 2004 (2003: Rp 541,593; 2002: Rp 444,966) Deferred tax asset Prepayments and other assets net of allowances for possible losses of Rp 4,687 in 2004 (2003: Rp 29,862; 2002: Rp 28,451)
57,637,257
52,680,025
46,909,240
TOTAL ASSETS
LAMPIRAN – 6/1 – SCHEDULE
INFORMASI KEUANGAN TAMBAHAN / SUPPLEMENTARY FINANCIAL INFORMATION PT BANK DANAMON INDONESIA Tbk INDUK PERUSAHAAN / PARENT COMPANY NERACA 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah, kecuali nilai nominal per saham)
BALANCE SHEETS 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah except par value per share) 2004
2003
2002
KEWAJIBAN DAN EKUITAS KEWAJIBAN Kewajiban segera Simpanan nasabah: - Pihak yang mempunyai hubungan istimewa - Pihak ketiga Simpanan dari bank lain Efek yang dijual dengan janji dibeli kembali Kewajiban akseptasi Pinjaman yang diterima Hutang pajak Penyisihan kerugian atas transaksi pada rekening administratif Kewajiban derivatif Biaya yang masih harus dibayar dan kewajiban lain-lain - Pihak yang mempunyai hubungan istimewa - Pihak ketiga Pinjaman subordinasi Modal pinjaman JUMLAH KEWAJIBAN
LIABILITIES AND EQUITY 114,019
183,940
623,964 39,680,378 1,040,445
617,989 39,181,620 420,950
23,677 34,873,987 436,013
1,000,000 522,884 991,882 226,710
1,000,000 419,309 1,213,564 7,125
1,500,000 180,466 1,481,174 5,182
346,432 6,237
367,030 9,799
366,661 3
704 1,656,774 3,469,587 155,000
27,760 1,623,894 699,767 155,000
25,860 2,292,706 731,759 155,000
Related parties Third parties Subordinated debts Loan capital
49,833,314
45,857,826
42,256,428
TOTAL LIABILITIES
EKUITAS Modal saham – nilai nominal Rp 50.000 (2003: Rp 50.000; 2002: Rp 10.000) per saham untuk seri A dan Rp 500 (2003: Rp 500; 2002: Rp 100) per saham untuk seri B Modal dasar – 22.400.000 (2003: 22.400.000; 2002: 112.000.000) saham seri A dan 17.760.000.000 (2003: 17.760.000.000; 2002: 88.800.000.000) saham seri B Modal ditempatkan dan disetor penuh 22.400.000 (2003: 22.400.000; 2002: 112.000.000) saham seri A dan 4.884.522.000 (2003: 4.884.522.000; 2002: 24.422.610.000) saham seri B Tambahan modal disetor Modal disetor lainnya Selisih kurs karena penjabaran laporan keuangan Laba yang belum direalisasi atas efek-efek dan Obligasi Pemerintah dalam kelompok tersedia untuk dijual Cadangan umum dan wajib Saldo laba (setelah defisit sebesar Rp 32.968.831 dieliminasi melalui kuasi- reorganisasi tanggal 1 Januari 2001) JUMLAH EKUITAS JUMLAH KEWAJIBAN DAN EKUITAS
LIABILITIES Obligations due immediately Deposits from customers:
112,317
Related parties Third parties Deposits from other banks Securities sold under repurchase agreements Acceptance payables Borrowings Taxes payable Allowance for possible losses on off balance sheet transactions Derivative payables Accruals and other liabilities
EQUITY Share capital – par value per share Rp 50,000 (2003: Rp 50,000; 2002: Rp 10,000) for A series shares and Rp 500 (2003: Rp 500; 2002: Rp 100) for B series shares Authorised – 22,400,000 (2003: 22,400,000; 2002: 112,000,000) A series shares and 17,760,000,000 (2003: 17,760,000,000; 2002: 88,800,000,000) B series shares Issued and fully paid 22,400,000 (2003: 22,400,000; 2002: 112,000,000) A series shares and 4,884,522,000 (2003: 4,884,522,000; 2002: 24,422,610,000) B series shares Additional paid-up capital Other paid-up capital Difference in foreign currency translation
3,562,261 62,738 189
3,562,261 25,412 189
3,562,261 25,412 189
2,718
2,886
2,923
798,928 24,684
754,586 9,484
-
3,352,425
2,467,381
1,062,027
7,803,943
6,822,199
4,652,812
TOTAL EQUITY
46,909,240
TOTAL LIABILITIES AND EQUITY
57,637,257
52,680,025
LAMPIRAN – 6/2 – SCHEDULE
Unrealised gains of available for sale securities and Government Bonds General and legal reserve Retained earnings (after deficit of Rp 32,968,831 was eliminated through quasi-reorganisation on 1 January 2001)
INFORMASI KEUANGAN TAMBAHAN / SUPPLEMENTARY FINANCIAL INFORMATION PT BANK DANAMON INDONESIA Tbk INDUK PERUSAHAAN / PARENT COMPANY LAPORAN LABA RUGI UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah, kecuali laba bersih per saham)
STATEMENTS OF INCOME FOR THE YEARS ENDED 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah, except earnings per share) 2004
2003
2002
PENDAPATAN DAN BEBAN OPERASIONAL Pendapatan bunga Pendapatan provisi dan komisi
Beban bunga Beban provisi dan komisi
Pendapatan bunga bersih
INCOME AND EXPENSES FROM OPERATIONS 5,535,100 444,977
5,789,427 498,090
6,560,596 322,363
5,980,077
6,287,517
6,882,959
2,247,977 43,029
3,238,492 32,599
4,823,692 40,875
2,291,006
3,271,091
4,864,567
3,689,071
3,016,426
2,018,392
PENDAPATAN OPERASIONAL LAINNYA Keuntungan penjualan efek-efek dan Obligasi Pemerintah - bersih (Kerugian)/keuntungan transaksi mata uang asing - bersih Imbalan jasa Pendapatan dividen Lain-lain
PENDAPATAN DAN BEBAN BUKAN OPERASIONAL Pendapatan bukan operasional Beban bukan operasional (BEBAN)/PENDAPATAN BUKAN OPERASIONAL – Bersih LABA SEBELUM PAJAK PENGHASILAN PAJAK PENGHASILAN LABA BERSIH
Net interest income
430,072
795,799
153,503
Gain on sale of marketable securities and Government Bonds - net
(33,847) 506,347 508 -
(12,438) 514,221 3,068 -
1,127 419,086 3,239 -
Foreign exchange (loss)/gain - net Fees Dividend income Others
903,080
PENDAPATAN OPERASIONAL BERSIH
Interest expense Fees and commissions expense
OTHER OPERATING INCOME
1,300,650
576,955
BEBAN OPERASIONAL LAINNYA Beban umum dan administrasi Beban tenaga kerja dan tunjangan Penyisihan kerugian atas aktiva produktif Penyisihan kerugian atas transaksi pada rekening administratif Kerugian yang belum terealisasi atas perubahan nilai wajar efek-efek dan Obligasi Pemerintah - bersih Lain-lain
Interest income Fees and commissions income
OTHER OPERATING EXPENSES 772,632 953,055
859,177 732,189
613,255 503,815
1,323,671
272,425
4,186
2,018
6,659
63,200 32,988
14,494 39,713
147,966 44,394
1,376,764
2,971,262
1,588,514
3,215,387
1,345,814
1,006,833
(449,297)
General and administrative expenses Salaries and employee benefits Allowance for possible losses on income earning assets Allowance for possible losses on off balance sheet transactions Unrealised losses from changes in fair value of marketable securities and Government Bonds - net Others
NET OPERATING INCOME
208,976 (255,803)
294,256 (67,163)
28,357 (45,538)
NON-OPERATING INCOME AND EXPENSES Non-operating income Non-operating expenses
(46,827)
227,093
(17,181)
NON-OPERATING (EXPENSES)/INCOME - Net
3,168,560
1,572,907
(760,481)
(43,331)
989,652 (41,250)
INCOME BEFORE TAX INCOME TAX
2,408,079
1,529,576
948,402
INCOME AFTER TAX
LABA BERSIH PER SAHAM DASAR
490.75
311.72
193.28
BASIC EARNINGS PER SHARE
LABA BERSIH PER SAHAM DILUSIAN
489.49
*) Tidak terdapat laba dilusian per saham pada tahun 2003 dan 2002
-*)
-*)
DILUTED EARNINGS PER SHARE
Diluted earnings per share are not applicable for 2003 and 2002 *)
LAMPIRAN – 6/3 – SCHEDULE
INFORMASI KEUANGAN TAMBAHAN / SUPPLEMENTARY FINANCIAL INFORMATION PT BANK DANAMON INDONESIA Tbk INDUK PERUSAHAAN / PARENT COMPANY LAPORAN PERUBAHAN EKUITAS UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
STATEMENTS OF CHANGES IN EQUITY FOR THE YEARS ENDED 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
Tambahan modal disetor/ Additional paid-up capital
Modal saham/ Share capital
Saldo pada tanggal 1 Januari 2002
Selisih kurs karena penjabaran laporan keuangan/ Difference in foreign currency translation
Modal disetor lainnya/ Other paid-up capital
Laba yang belum direalisasi atas efek-efek dan Obligasi Pemerintah dalam kelompok tersedia untuk dijual/ Unrealised gains of available for sale securities and Government Bonds
Cadangan umum dan wajib/ General and legal reserve
Saldo laba/ Retained earnings
Jumlah ekuitas/ Total equity
3,562,261
25,412
189
2,939
-
-
579,783
4,170,584
Laba bersih tahun berjalan
-
-
-
-
-
-
948,402
948,402
Selisih kurs karena penjabaran laporan keuangan
-
-
-
(16)
-
-
-
Pembagian dividen tunai
-
-
-
-
-
-
3,562,261
25,412
189
2,923
-
-
1,062,027
4,652,812
Balance as at 31 December 2002
Laba bersih tahun berjalan
-
-
-
-
-
-
1,529,576
1,529,576
Net income for the year
Pembentukan cadangan umum dan wajib
-
-
-
-
-
9,484
(9,484)
-
Allocation to general and legal reserve
Pembagian tantiem
-
-
-
-
-
-
(11,855)
(11,855)
Distribution of tantiem
Selisih kurs karena penjabaran laporan keuangan
-
-
-
-
-
-
(37)
Difference in foreign currency translation
Laba yang belum direalisasi atas efek-efek dan Obligasi Pemerintah dalam kelompok tersedia untuk dijual
-
-
-
-
754,586
-
-
Pembagian dividen tunai
-
-
-
-
-
3,562,261
25,412
2,886
754,586
9,484
Saldo pada tanggal 31 Desember 2002
(37)
(466,158)
(102,883)
Balance as at 1 January 2002 Net income for the year
(16)
Difference in foreign currency translation
(466,158)
Distribution of cash dividend
754,586 (102,883)
Unrealised gains of available for sale securities and Government Bonds Distribution of cash dividend
Saldo pada tanggal 31 Desember 2003 189
LAMPIRAN – 6/4 – SCHEDULE
2,467,381
6,822,199
Balance as at 31 December 2003
INFORMASI KEUANGAN TAMBAHAN / SUPPLEMENTARY FINANCIAL INFORMATION PT BANK DANAMON INDONESIA Tbk INDUK PERUSAHAAN / PARENT COMPANY LAPORAN PERUBAHAN EKUITAS UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
STATEMENTS OF CHANGES IN EQUITY FOR THE YEARS ENDED 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah)
Tambahan modal disetor/ Additional paid-up capital
Modal saham/ Share capital
Saldo pada tanggal 1 Januari 2004
Selisih kurs karena penjabaran laporan keuangan/ Difference in foreign currency translation
Modal disetor lainnya/ Other paid-up capital
Laba yang belum direalisasi atas efek-efek dan Obligasi Pemerintah dalam kelompok tersedia untuk dijual/ Unrealised gains of available for sale securities and Government Bonds
Cadangan umum dan wajib/ General and legal reserve
Saldo laba/ Retained earnings
Jumlah ekuitas/ Total equity
3,562,261
25,412
189
2,886
754,586
9,484
2,467,381
6,822,199
Balance as at 1 January 2004
Laba bersih tahun berjalan
-
-
-
-
-
-
2,408,079
2,408,079
Net income for the year
Pembentukan cadangan umum dan wajib
-
-
-
-
-
15,200
(15,200)
-
Allocation to general and legal reserve
Pembagian tantiem
-
-
-
-
-
-
(19,635)
Selisih kurs karena penjabaran laporan keuangan
-
-
-
-
-
-
Laba yang belum direalisasi atas efek-efek dan Obligasi Pemerintah dalam kelompok tersedia untuk dijual
-
-
-
-
44,342
-
-
44,342
Unrealised gains of available for sale securities and Government Bonds
Beban kompensasi karyawan berbasis saham
-
37,326
-
-
-
-
-
37,326
Compensation cost of employee stock options
Pembagian dividen tunai
-
-
-
-
-
-
3,562,261
62,738
189
2,718
798,928
24,684
Saldo pada tanggal 31 Desember 2004
(168)
LAMPIRAN – 6/5 – SCHEDULE
(19,635)
Distribution of tantiem
(168)
Difference in foreign currency translation
(1,488,200)
(1,488,200)
3,352,425
7,803,943
Distribution of cash dividend Balance as at 31 December 2004
INFORMASI KEUANGAN TAMBAHAN / SUPPLEMENTARY FINANCIAL INFORMATION PT BANK DANAMON INDONESIA Tbk INDUK PERUSAHAAN / PARENT COMPANY LAPORAN ARUS KAS UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
Arus kas dari kegiatan operasi: Pendapatan bunga, provisi dan komisi Bunga, provisi dan komisi yang dibayar Pendapatan operasional lainnya Kerugian selisih kurs – bersih Beban operasional lainnya Pendapatan/(beban) bukan operasional - bersih Laba sebelum perubahan dalam aktiva dan kewajiban operasi Perubahan dalam aktiva dan kewajiban operasi: - Penurunan/(kenaikan) aktiva operasi: - Penempatan pada bank lain - Efek-efek - Efek yang dibeli dengan janji dijual kembali - Pinjaman yang diberikan - Tagihan akseptasi - Pajak dibayar dimuka - Biaya dibayar di muka dan aktiva lain-lain - Kenaikan/(penurunan) kewajiban operasi: - Kewajiban segera - Simpanan nasabah: - Giro - Tabungan - Deposito berjangka - Simpanan dari bank lain - Kewajiban akseptasi - Hutang pajak - Biaya yang masih harus dibayar dan kewajiban lain-lain - Laba yang belum direalisasi atas efek-efek dan Obligasi Pemerintah dalam kelompok tersedia untuk dijual - Pajak penghasilan yang dibayar selama tahun berjalan - Selisih kurs karena penjabaran laporan keuangan Kas bersih (digunakan untuk)/ diperoleh dari kegiatan operasi
STATEMENTS OF CASH FLOWS FOR THE YEARS ENDED 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah) 2004
2003
2002
5,967,144
6,255,423
7,594,524
(2,286,914) 711,851 143,798 (1,723,961)
(3,362,708) 491,360 21,483 (1,205,305)
(4,980,518) 415,861 1,101 (1,182,935)
Cash flows from operating activities: Interest income, fees and commissions Payments of interest, fees and commisssions Other operating income Foreign exchange loss - net Other operating expenses
(1,687)
(21,749)
Non-operating income/(expenses) - net
1,826,284
Income before changes in operating assets and liabilities
98,017
2,909,935
2,198,566
1,360,198 932,512
(596,328) 2,262,798
1,159,672 (1,940,385)
(20,450) (9,007,181) (103,575) 3,727
(2,576,699) (238,843) -
14,946 (7,641,032) (17,758) -
(466,697)
180,717
(380,039)
(1,702)
(69,921)
(51,048)
260,194 (375,892) 620,431 619,495 103,575 171,757
373,771 1,440,943 3,385,700 (15,063) 238,843 1,943
390,634 3,176,073 (8,468,095) 265,149 18,864 (9,368)
(10,461)
(115,092)
(1,020,504)
(798,928)
754,586
-
(605,650)
-
-
(168)
(4,408,880)
(37)
7,225,884
16
(12,676,591)
LAMPIRAN – 6/6 – SCHEDULE
Changes in operating assets and liabilities: Decrease/(increase) in operating assets: Placements with other banks Marketable securities Securities purchased under resale agreements Loans Acceptance receivables Prepaid taxes Prepayments and other assets Increase/(decrease) in operating liabilities: Obligations due immediately Deposits from customers: Current accounts Savings Time deposits Deposits from other banks Acceptance payables Taxes payable Accruals and other liabilities
Unrealised gains of available for sale securities and Government Bonds Income tax paid during the year Difference in foreign currency translation Net cash (used in)/provided from operating activities
INFORMASI KEUANGAN TAMBAHAN / SUPPLEMENTARY FINANCIAL INFORMATION PT BANK DANAMON INDONESIA Tbk INDUK PERUSAHAAN / PARENT COMPANY LAPORAN ARUS KAS UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
STATEMENTS OF CASH FLOWS FOR THE YEARS ENDED 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah) 2004
Arus kas dari kegiatan investasi: Pembelian Obligasi Pemerintah Penjualan Obligasi Pemerintah Pembelian aktiva tetap Hasil penjualan aktiva tetap Akuisisi Anak Perusahaan dan/atau penurunan penyertaan di Anak Perusahaan Hasil penjualan saham Anak Perusahaan dan perusahaan asosiasi Penerimaan dividen Kas bersih diperoleh dari/(digunakan untuk) kegiatan investasi
2003
(13,288,446) 17,980,946 (311,912) 118,479
(17,635,175) 12,047,768 (154,274) 95,212
2002
(2,587,250) 14,690,583 (356,798) 5,523
Cash flows from investing activities: Acquisition of Government Bonds Sale of Government Bonds Acquisition of fixed assets Proceeds from sale of fixed assets
(850,000)
8,733
12,763
1,350 8,008
12,728 3,068
3,239
Acquisition of the Subsidiary and/or decrease in investment in Subsidiaries Proceeds from sale of shares in Subsidiary and asssociated companies Dividend income Net cash provided from/(used in) investing activities
3,658,425
(5,621,940)
11,768,060
(221,682)
(267,610)
(921,318)
(1,488,200) (19,635)
(500,000) (102,883) (11,855)
1,029,167 (466,158) -
2,559,380
(31,992)
(6,992)
Cash flows from financing activities: Decrease in borrowings Increase/(decrease) in securities sold under repurchase agrrements Distribution of cash dividend Distribution of tantiem Increase/(decrease) in subordinated loans
829,863
(914,340)
(365,301)
Net cash provided from/(used in) financing activities
79,408
689,604
(1,273,832)
Net increase/(decrease) in cash and cash equivalents
Kas dan setara kas pada awal tahun
3,826,865
3,137,261
4,411,093
Cash and cash equivalents at the beginning of the year
Kas dan setara kas pada akhir tahun
3,906,273
3,826,865
3,137,261
Cash and cash equivalents at the end of the year
Kas dan setara kas terdiri dari: Kas Giro pada Bank Indonesia Giro pada bank lain
732,430 2,662,100 511,743
1,011,870 2,152,945 662,050
1,052,189 1,747,820 337,252
Cash and cash equivalents consist of: Cash Current accounts with Bank Indonesia Current accounts with other banks
Jumlah kas dan setara kas
3,906,273
3,826,865
3,137,261
Total cash and cash equivalents
Arus kas dari kegiatan pendanaan: Penurunan pinjaman yang diterima Kenaikan/(penurunan) efek yang dijual dengan janji dibeli kembali Pembagian dividen Pembagian tantiem Kenaikan/(penurunan) pinjaman subordinasi Kas bersih diperoleh dari/(digunakan untuk) kegiatan pendanaan Kenaikan/ (penurunan) bersih kas dan setara kas
LAMPIRAN – 6/7 – SCHEDULE
INFORMASI KEUANGAN TAMBAHAN / SUPPLEMENTARY FINANCIAL INFORMATION PT BANK DANAMON INDONESIA Tbk INDUK PERUSAHAAN / PARENT COMPANY LAPORAN ARUS KAS UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2004, 2003 DAN 2002 (Dinyatakan dalam jutaan Rupiah)
STATEMENTS OF CASH FLOWS FOR THE YEARS ENDED 31 DECEMBER 2004, 2003 AND 2002 (Expressed in million Rupiah) 2004
2003
2002
Informasi tambahan arus kas: Aktivitas yang tidak mempengaruhi arus kas:
Supplemental cash flow information:
Pembayaran dengan Obligasi Pemerintah: - Kewajiban kepada PPA (dahulu BPPN) - Penempatan oleh bank lain - Pinjaman yang dibeli dari PPA (dahulu BPPN)
Settlement through Government Bonds: Liabilities to PPA (formerly IBRA) Placement by other banks Loan purchased from PPA (formerly IBRA)
Penambahan aktiva tetap melalui reklasifikasi dari akun “uang muka pembelian pinjaman sindikasi”
Activities not affecting cash flows:
-
457,148 -
551,353 141,000
-
365,027
114,060
-
822,175
806,413
486,746
-
LAMPIRAN – 6/8 – SCHEDULE
-
Addition of fixed assets through reclassification from account “advance for syndicated loan purchased”
Corporate Data
i
ii
Organisation Structure
General Meeting of Shareholders
Syariah Financing Committee Risk Management Committee Know Your Customer Committee Credit Committee
Syariah Supervisor y
Board of
Board
Commissioners
Asset Liability & Market Committee
Remuneration Committee Nomination Committee Audit Committee
Chief Executive Officer*
Credit Policy Committee HR Committee Service Committee IT Project Steering Committee
Business Heads Consumer & Distribution*
Product Heads Treasur y & Capital Markets
Functional Heads HR, Corporate Affairs/ Communication, Strategic Planning*
Corporate & Financial Institutions
Syariah*
Small Medium Enterprise
Transaction & Service
& Commercial*
Management
Compliance, Legal, Corporate Secretar y & K YC* Integrated Risk Financial Planning & Control Information Technology Internal Audit
Note * Director
iii
Senior Officers Board of Commissioners
Mirah Wiryoatmodjo
Ardjuna T. M. Sitorus
Sim Kee Boon
Business Support &
HR & Administrative Support Head
President Commissioner
Infrastructure Head
I Nyoman Sender
V. P. Stevy Salindeho
Treasur y
Vice President Commissioner
Credit Support Admin Head
Lam Kun Kin
Sri Adiningsih
Rudianto Sudargo
Treasury & Capital Markets Head
Commissioner
Corporate Planning Head
Devie Milayanti Capital Markets Head
Sumarno Surono Commissioner
SEMM, SME & Commercial
Alfin Tolib
Milan R. Shuster
Jovasky Pang Wei Shen
Treasury Management Head
Commissioner
Marketing Planning & Project Head
Francis Indarto
Harry Arief Soepardi Sukadis
Ign. Madi Darmadi Lazuardi
Head of Asset & Liability Management
Commissioner
Commercial Business Head
Johannes Husin
Edwin Gerungan
Gandhi G. Putra Ismail
Head of Trading
Commissioner
Small Medium Enterprises Banking Head
Habsari Utami
Gan Chee Yen
Djemi Suhenda
Head of Sales
Commissioner
Self Employed Mass Market Head
Ng Kee Choe
Lim Geok Sim
Syariah
Commissioner
Credit Risk Head
Heriyakto Setyo Hartomo
Liew Cheng San Victor
D. Prayudha Moelyo
Product Sales Head
Commissioner
Commercial Agribusiness Head
Koeshartono Usman
Sanjiv Chatrath
Syariah Quality Assurance Head
Board of Directors
Asset Based Finance Head
Edyson Makmur
Francis Andrew Rozario
Sonny Kent Maramis
Product Dev. & Support Function Head
President Director
Asset Buy Joint Finance Business Head
Bambang Kuswijayanto Financing Factory Head
Emirsyah Satar Vice President Director
Consumer Banking
Phie Karsa Kosindra
Jerry Ng
Fabrice Desmarescaux
Card & Syariah Transaction Service Head
Director (SME & Commercial)
Strategy, Marketing &
Gatot M. Suwondo
Business Development Head
Operational &
Director (Syariah)
Agus Setiawan Suthedjo
Transactional Management
Muliadi Rahardja
National Sales Management for
Ali Yong
Director (HRD)
Consumer Banking Head
Transaction & Services Head
Anika Faisal
Rusli Sutanto
Atul Rasikbhai Patel
Director (Legal & Compliance)
Affluent Segment Head
Operation Head
Tejpal Singh Hora
Randy Pangalila
Bijono Waliman
Director (Integrated Risk)
Middle Income Segment Head
Operation Control Head
Makhfud Irfan
Kukuh Budisaroso
Corporate & Financial Institutions
Mortgage Product Head
General Affairs & Procurement Head
Rene Eugene Burger
Budi Gunadi Sadikin
Mia Patria
Corporate Banking &
Consumer Mass Market Head
Service Center Head
Financial Institutions Head
Suparman Kusuma
Herry Hykmanto
Hery Adriawan Zainal
Card Products Head
Trade Finance & Services Head
Corporate Banking Head I
Hermanto R. Danujaya
Jusuf Iwan Rusli
Frangky Wewengkang
E - Banking Head
Cash Management Corporate &
Corporate Banking Head II
Bernhard Sumbayak
Commercial Head
Thomas K. Husted
Danamon Access Center Head
Edy Tuhirman
Corporate Finance Head
Cash Management Consumer & SME Head
iv
Integrated Risk
Muchsin Anzib
Adriani Surono
P. Donnaria Silalahi
IT Communication Head
Danamon Learning Center Head
Operation Risk Head
Victor Erico Korompis
Andre M. Runtuwene
Rafael Melendez
IT Consumer & Mass Head
Reg. Res. Head 3
Consumer Risk Management Head
Nathan Tanuwidjaja
Kalimantan, Sulawesi, Maluku, Papua
Gan Peng Hoei
IT Audit Head
Ramlie Woentoro
Market & Liquidity Risks Head
Mary Bernadette James
Reg. Res. Head 2
Wolf Arno Kluge
IT Program Management Head
West, Central, East Java; Bali;
Credit Control Head
Michael Patrick Sargent
Nusatenggara
Max E. Makahinda
IT Security & Compliance Head
Elfina Wirawan Tazar
Special Asset Management Head
Alrizon Putra
HR Business Partners
IT Development & Support Head
Putu Wibawa HR Business Partners
Compliance, Legal, Corsec Dini Herdini
Corporate Affairs/Communication
Unur Kartono
General Legal Counsel
Tya Adhitama
Industrial & Employee Relations Head
Lungguk Gultom
Corp. Affairs/Comm. Head Regional Heads
Business Compliance Head Setyowati
Audit
Compliance Support & Analysis Head
Restiana Ie Tjoe Linggadjaya
Region 1
Toety Setyadewati
Chief Internal Auditor (Kepala SK AI)
Sonny Wahyubrata
Litigation Head
Hadi Indraprasta
Reg. Consumer Head
Tomy B. Satrio
Audit Committee
Jabotabek & Lampung
Corporate Secretariat Head
Setiawan Kriswanto
Region 2
Sulistio S. Reksoprodjo
Audit Committee
M. Budi Utomo
Government Relations Head
Indyastuti
Reg. Consumer Head
Mass Market Audit Head
West Java
Financial Planning & Control
Muhammad Rizaldy
Region 3
Vera Eve Lim
Branches Audit I Head
Efrain Macpal
Chief Financial Officer
Budi Sarjono
Reg. Consumer Head
Muljono Tjandra
Branches Audit II Head
East Java, Nusatenggara & Bali
Financial Accounting & Tax Head
Richard Steven Dompas
Region 4
Chen Ming Shing Maxine
Supports & Branches Head
Stenly Oktovianus
Technical Advisor
Cesilia P. Sitinjak
Reg. Consumer Head
Financial Planning & Control
Branches Audit III Head
Sulawesi, Maluku & Papua
I Dewa Made Susila
Antony Kurniawan
Region 5
Investor Relations &
Credit Operations & Branches Head
William Lie
Subsidiaries Support Head
Yenny Cia
Reg. Consumer Head
Quality Assurance & Audit Dev. Head
Kalimantan Region 6
Information Technology Kanchan Keshav Nijasure
Human Resources
Alexis Marzo
Chief Technology Officer
Sadikin Kuswanto
Reg. Consumer Head
L. B. Irawan
Compensation & Benefits, Policy &
Sumatera
IT Corporate & SME Head
Organization Head
Region 7
Boy Trianto
Lusy Adrilina
A. Adji Anggono
IT Middle Office Head
Regional Resources (Reg. Res.) Head I
Reg. Consumer Head
Ricky Rezani
Jakarta & Sumatera
Central Java, Yogyakarta
IT Infrastructure Head
Rahmat Fadillah Pohan HR Services Head
v
Subsidiaries & Affiliates
Adira Finance Established in 1990, Adira Finance’s main business activity is to provide consumer automotive financing services. As of year end 2004, Adira Finance has operated 183 outlets throughout the country and is well supported by over 10,000 employees. Adira Finance has now become one of the leading consumer finance company in Indonesia, in terms of market share and total assets. In 2004, Adira Finance conducted an Initial Public Offering (IPO). Following this IPO, 75% of Adira Finance’s stakes was acquired by Bank Danamon on April 8th, 2004 and since then becomes the majority shareholders of Adira Finance. Financial Highlights (in Rp billion, except stated other wise)
20 04
20 03
20 02
6,611
3,451
1,695
583,454
335,868
173,820
1,589
1,585
543
846
1,072
340
303
542
280
New Financing New Financing Volume New Financing Unit
Balance Sheets Total Assets Consumer Financing Receivables - net Borrowings
a)
493
491
-
1,069
1,241
357
520
343
186
863
529
210
Interest Expenses
148
145
84
Other Income
150
122
39
Bonds Total Liabilities Total Equity
Statements of Income Interest Income
Operating Expenses
430
282
115
Profit Before Tax
436
225
50
Net Income
301
155
39
Return On Average Assets
19.0%
14.6%
8.9%
Return On Average Equity
69.8%
58.7%
22.8%
1.53
3.01
1.51
1.18%
1.46%
1.12%
10,046
5,133
2,900
183
118
74
Key Ratios
Debt / Equity (x) Non Per forming Receiveables
b)
Others Number of Employees Number of Of fices
a)
b)
vi
Af ter por tion of receivables financed by banks, unearned consumer financing income and allowance for doubtful accounts Receivables with delinquency of more than 90 days over total receivables
Subsidiaries & Affiliates
List of Subsidiaries & Affiliates
Company
Business Activity
% Ownership
Subsidiaries PT. Adira Dinamika Multi Finance Tbk
Multi Finance
75.00%
Securities
25.00%
PT. Korean Exchange Bank Danamon
Commercial Bank
15.00%
PT. Bank Woori Indonesia
Commercial Bank
4.81%
Associated Companies PT. DBS Vickers Securities Indonesia Affliated Companies
PT. Bank Chinatrust Indonesia
Commercial Bank
1.00%
PT. Sarana Lampung Ventura
Venture Capital
5.27%
PT. Mitra Dana Jimbaran
Venture Capital
3.85%
PT. Sarana Kalteng Ventura
Venture Capital
3.57%
PT. Sarana Kalbar Ventura
Venture Capital
2.85%
PT. Sarana Jambi Ventura
Venture Capital
2.29%
PT. Sarana Sumbar Ventura
Venture Capital
Others
Venture Capital, etc.
2.28% 0.24% - 1.18%
vii
Shares Highlights The Progress of Quarterly Shares on Jakarta Stock Exchange for the 2003 - 2004 Fiscal Year Quar terly
I
II
III
IV
2004
2003
2004
2003
2004
2003
2004
2003
2,025
235
2,400
1,200
2,800
1,275
3,375
1.725
3,175
1,350
3,625
1,675
4,000
1,750
4,450
2,075
38,042,000
1,707,500
79,794,000
2,816,000
59,026,000
111,909,000
99,356,500
34,502,500
15,736,000 101,683,000 234,274,500 312,604,000
60,265,500
The Lowest Price of Shares (IDR) The Highest Price of Shares (IDR) The Lowest Volume of Share Transaction The Highest Volume
277,916,000
4,499,500 180,527,000
of Share Transaction Note: Share price in 2003 adjusted af ter reverse stock splits
The Progress of Quarterly Shares on Surabaya Stock Exchange for the 2003 - 2004 Fiscal Year Quar terly
I
The Lowest Price
II
III
IV
2004
2003
2004
2003
2004
2003
2004
2003
2,850
1,350
*
1,325
2,750
1,325
3,500
1,475
2.850
1,475
*
1,500
3,350
1,475
4,300
1,950
835,000
500
*
4,101,600
3,000,000
58,884,000
1,475,000
234,000
835,000
9,678,400
*
58,000,000
10,000,000
96,000,000
50,439,000
21,841,400
of Shares (IDR) The Highest Price of Shares (IDR) The Lowest Volume of Share Transaction The Highest Volume of Share Transaction Note: Share price in 2003 adjusted af ter reverse stock splits
* ) No bank’s shares transaction
Share Performance in 2004 5,000
60,000
4,500 50,000
4,000 3,500
40,000
3,000 30,000
2,500 2,000
20,000
1,500
10,000 0 Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
1,000
Volume (‘000)
500
Share Price (Rp)
Dec
Dividend Policy 20 04 Total Dividend (million Rupiah) Number of Shares (in million) Dividend Payout Ratio (%) Earnings per Share (Rp)
b)
877,000
a)
4,907
20 03
20 02
20 01
20 0 0
611,200
569,041
143,527
n.a
4,907
4,907
4,907
4,907
40
60
20
n.a
311.72
193.28
147.41
69.18
22 Dec 04
8 Apr 04
27 Dec 02
28 Dec 01
n.a
b)
TBD
14 May 04
7 Jul 03
n.a
n.a
c)
6.57
4.72
10.04
22.67
167.03
1,590
1,390
948
850
46
50 490.75
c)
a)
Dividend Payment Date Interim Dividend Final Dividend Price Earnings Ratio (x)
d)
Book Value of Shares (Rp)
viii
d)
Interim Dividend from the first nine months profits in 2004 Af ter reverse stock splits From the first nine months profits in 2004 Based on average share price during the year af ter reverse stock splits
Chronological Share Overview A Series Shares
B Series Shares
Shares from Initial Public Of fering
Shares issued from Limited Of fering
in 1989
12,000,000
(Rights Issue) III in 1999
Founders’ shares
22,400,000
Shares issued in connection with
215,040,000,000
the Bank’s merger with the former PDFCI Bonus shares from capitalization of
in 1999
45,375,000,000
additional paid-in capital-capital paid -in excess of par value in 1992
34,400,000
Shares issued in connection with the Bank’s merger with Bank Tiara
Shares from Limited Public Of fering (Rights Issue) I in 1993
in 2000
35,557,200,000
224,000,000 Shares issued in connection
Bonus shares from capitalization of
with the Bank’s merger with 7
additional paid-in capital-capital paid -in excess of par value in 1995
Taken-Over Banks (BTOs) * in 2000
192,480,000,000
112,000,000 488,452 , 20 0,0 0 0
Shares from Limited Public Of fering (Rights Issue) II in 1996
560,000,000
Founders’ shares in 1996
155,200,000
Increase in par value per share to Rp 100 par value per share through reduction in total number of shares (reverse stock split) in 2001
Shares resulting from stock split in 1997
: 20
1,120,000,000 Increase in par value per share to 2 , 240,0 0 0,0 0 0
Rp 500 par value per share of shares
Increase in par value per share to
through reduction in total number
Rp 10,000 par value per share through
(reverse stock split) in 2003
:5
reduction in total number of shares (reverse stock split) in 2001
: 20
Total B series shares at 31 December 2004
4,8 84,522 ,0 0 0
Increase in par value per share to Rp 50,000 par value per share through reduction in total number of shares (reverse stock split) in 2003
:5
* 7 BTO consists of PT Bank Duta Tbk, PT Bank Rama Tbk, PT Bank Tamara Tbk, PT Bank Nusa Nasional Tbk, PT Bank Pos Nusantara, PT Jayabank International dan PT Bank Risjad Salim Internasional
Total A series shares 22 ,40 0,0 0 0
at 31 December 2004
Shareholders of PT Bank Danamon Indonesia Tbk as of 31 Dec, 2004
23.74% Asia Financial (Indonesia) Pte.Ltd. PT PPA QQ. Ministry of Finance Republic Indonesia
10.50%
Public
65.76%
ix
Recognitions
1 ATM Bersama Award 2004
7 Info Bank Award 2004
Most Active ATM - The Best Partner
Predicate: High Performing Bank For 2003 Financial Performance (Assets > Rp 20 Trillion)
2 MRI & Info Bank Award 2004 8 Global Finance Award 2004
First Rank For Service Excellence
The Best Trade Finance Bank And Provider 2004 3 Karim Business Consulting Award 2004 9 Finance Asia, Asia’s Best Companies 2004
Syariah Banking - Service Quality Award
Eight Rank For The Best Managed Company & Best 4 MasterCard International Award 2004
Investor Relations
Best MasterCard Electronic Program 10 Call Centre Award 2004 for Service Excellence 5 Investor Award 2004
The Best Call Centre for Banking category
The Best Bank 2004 (Assets > Rp 50 Trillion) 11 ALTO Award 2004 6 SGS Quality Award 2004
The Best Acquirer Bank
Second Rank For ISO Implementation
x
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Bank Network
Head O f fice Menara Bank Danamon Jl. Prof. Dr. Satrio Kav. E IV No. 6 Jakar ta 12950 Tel : ( 021) 57991001-03 Fa x : ( 021) 57991160-61
Overseas Branch Cayman Islands The A ALL Building, Ground Floor P.O. Box 30893 SMB Nor th Church Street George Town, Grand Cayman Cayman Islands B.W.I. Tel : 1-345-946 0046 Fa x : 1-345-946 0046
Regular Branches Region 01 Jakar ta - Gajah Mada Jl. Gajah Mada No.90a Tel : ( 021) 6341550 - 55, 6341560 Fa x : ( 021) 6345935 Jakar ta - Jembatan Lima Jl. Kh. Mas Mansyur No. 255 Tel : ( 021) 6339837, 6339077 Fa x : ( 021) 6339762 - 24808 Jakar ta - Hasyim Ashari Jl. Kh. Hasyim Ashari No.15a Tel : ( 021) 6304343 Fa x : ( 021) 6304244 Jakar ta - Harmoni Jl. Sur yopranoto Komp.per tokoan Harmoni Pla za A /i Tel : ( 021) 6328425, 8110 Fa x : ( 021) 6327933 Jakar ta - Bidakara Jl. Gatot Subroto Kav. 71-73 Tel : ( 021) 83793427 - 28 Fa x : ( 021) 83793246 Jakar ta - Ps. Pademangan Ps. Pademangan Timur Blok Bks 137 Tel : ( 021) 6410783 - 84, 6415378 - 80 Fa x : ( 021) 6410785 Jakar ta - Tanah Abang Fachrudin Jl. Fachrudin 36 Blok A No. 56-57 Tel : ( 021) 3156665, 3166670, 2310421 Fa x : ( 021) 3156669
Jakar ta - Ps.tanah Abang Pasar Regional Tanah Abang Blok D Lt.dasar Tel : ( 021) 3100817, 3914439
Jakar ta - Prapatan Jl. Prapatan No. 50 Gambir Tel : ( 021) 3840808, 3812563, 2311410 Fa x : ( 021) 3842023
Jakar ta - Glodok Plaza I Jl. Pinangsia Raya Komp. Ruko Glodok Pla za Blok A No. 26-28 Tel : ( 021) 2601312, 2601213 Fa x : ( 021) 6256611- 5914
Jakar ta - Pecenongan Jl. Pecenongan Raya No. 5B-C Tel : ( 021) 2311652, 2311244 Fa x : ( 021) 2311475
Jakar ta - Glodok Plaza II Jl. Pinangsia Raya Blok F No. 25-26 Glodok Pla za Tel : ( 021) 6593508, 6242841 Fa x : ( 021) 6507229 Jakar ta - Gunung Sahari Jl. Gunung Sahari Raya No.49 Tel : ( 021) 4227844 - 45 Fa x : ( 021) 4222508 Jakar ta - Ps. Kenari Gd. Kenari Baru Lt. 2 Blok E7-8, Jl. Salemba Raya No.2 Jakpus Tel : ( 021) 3914418 - 19 Jakar ta - Danau Sunter Jl. Danau Sunter Utara Blok B-1-b No. 1516, Sunter Podomoro Tel : ( 021) 64715835, 64714956 - 7, 6517386 - 7, 6411622 - 3 Fa x : ( 021) 64715843 Jakar ta - Royal Sunter Jl. Danau Sunter Utara Blok A No. 10-11 Tel : ( 021) 6508549, 6515186, 6520082, 6520146 Fa x : ( 021) 6515154 Jakar ta - Mitra Sunter Jl. Yos Sudarso Komp. Mitra Sunter Bullevard Blok B/7 Tel : ( 021) 6520029, 6520125, 6520061, 6509216 Fa x : ( 021) 6520924 Jakar ta - Kebon Sirih Jl. Kebon Sirih No.15 Tel : ( 021) 2301901 - 02, 2300605 Fa x : ( 021) 2300730 - 550 Jakar ta - Sabang Jl. H. Agus Salim No. 59a Tel : ( 021) 31935076, 31935083 Fa x : ( 021) 2300932 Jakar ta - Cikini Jl. Raya Cikini No.71 Tel : ( 021) 3929016, 3904907, 3929015, 3107239 Fa x : ( 021) 3904909
Jakar ta - Krekot Komplek Krekot Jaya Molek. Jl. Krekot Jaya Blok AD No. 1-2 Tel : ( 021) 2311652 Jakar ta - Metro Atom Metro Atom Pla za Lt. 2 Blok AKS No.1-4 Ps. Baru Tel : ( 021) 3849258, 3811683 Fa x : ( 021) 3849258 Jakar ta - Hayam Wuruk Indah Ps. Hayam Wuruk Indah Lindeteves Lt. 1 No. 96-97 Tel : ( 021) 6242473 - 74 Fa x : ( 021) 6257130 Jakar ta - Taman Sari Tamansari Raya No.53A Tel : ( 021) 6006093, 6006095, 6120254, 6120255 Fa x : ( 021) 6294983 Jakar ta - Karang Anyar Jl. Karang Anyar Raya No. 21 Rukan Blok BI/29 Tel : ( 021) 6286206, 6286262, 6286234 Fa x : ( 021) 6286273 Jakar ta - Senen Pusat Perdagangan Senen Blok V A-06 Tel : ( 021) 4242765, 4242788 Fa x : ( 021) 4242764 Jakar ta - Proyek Senen Proyek Senen Blok 1 Lt. 4 Tel : ( 021) 4264687, 4211036 Fa x : ( 021) 4264687 Jakar ta - Pasar Baru Jl. Pasar Baru Selatan No. 16 Tel : ( 021) 3804441, 3857677, 3841982 Fa x : ( 021) 3453392 Jakar ta - Wir yopranoto Jl. Sukarjo Wir yopranoto No. 63 Tel : ( 021) 2601521- 22 Fa x : ( 021) 2601516
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Jakar ta - Benhil Jl. Bendungan Hilir No. 21 Tel : ( 021) 5707844, 5727172 Fa x : ( 021) 5707843 Jakar ta - Tomang Raya Tomang Raya Blok Mm Kav 557 No. 51 C-D Tel : ( 021) 5664010 - 11, 5607303 - 04 Fa x : ( 021) 5607309 Jakar ta - Kedoya Gd. Pusat Perbelanjaan Tomang Tol. Jl. Agave Raya No. 50 Tel : ( 021) 5800942 - 953 Fa x : ( 021) 5800956 - 7 Jakar ta - Kebon Jeruk Jl. Meruya Ilir Komp. Interkon Blok A 1-2, Kebon Jeruk Tel : ( 021) 5845474 Fa x : ( 021) 5846035 Jakar ta - Puri Indah Puri Indah Raya Blok I No. 41 Pesanggrahan Tel : ( 021) 5821601 - 04 Fa x : ( 021) 5821605
Jakar ta - Citraland Citra Land Mall Lt. Lg Unit 51 Jl. S. Parman, Grogol Tel : ( 021) 5661205, 5666845 Fa x : ( 021) 5669754
Jakar ta - Mangga 2 Raya Jl. Mangga Dua Raya Ruko Tekstil Blok E4/6 Tel : ( 021) 6011503 - 05, 6258449 Fa x : ( 021) 6009875
Jakar ta - Citra Garden II Komp. Citra Garden II Blok I-i No. 12A Tel : ( 021) 5417705, 5458252 - 53 Fa x : ( 021) 5403021
Jakar ta - Mangga 2 Ar teri Jl. Ar teri Mangga Dua Blok D Lt. III No. 2 Tel : ( 021) 6127494 – 95 Fa x : ( 021) 6255644
Jakar ta - Daan Mogot Ruko Daan Mogot Km. 6 Komp. Indo Ruko Blok 6 C-d Tel : ( 021) 5655370 - 72 Fa x : ( 021) 5654783
Jakar ta - ITC Mangga Dua Itc Mangga Dua Lt. 1 Blokd No. 6465 Jl. Mangga Dua Raya Tel : ( 021) 6016169, 6016170 Fa x : ( 021) 6016168
Jakar ta - Green Garden Ruko Green Garden Blok I/9 Kav 18 Tel : ( 021) 5812281- 83, 5815328 - 31, 5817420 Fa x : ( 021) 5812285
Jakar ta - W TC Mangga Dua Gd. W TC Mangga Dua Lt. UG Blok D 17-19 Jl. Mg Dua Raya No.8 Tel : ( 021) 30017720 - 27 Fa x : ( 021) 30017728
Jakar ta - Green Ville Komp. Green Ville Blok Ay No. 20 Tel : ( 021) 5658160 - 64, 5658121- 7849 - 7216 Fa x : ( 021) 5656030
Jakar ta - Kuningan Jl. Rasuna Said Kav C-10, Kuningan Tel : ( 021) 5221282 - 84, 5207661 Fa x : ( 021) 5221236 - 88
Jakar ta - Taman Anggrek Mall Taman Anggrek Ground Floor G-42 Jl. S. Parman Kav. 21 Tel : ( 021) 5639473 - 75 Fa x : ( 021) 5639053
Jakar ta - Telepon Kota I Jl. Telepon Kota No. 7 Tel : ( 021) 6904060 - 67, 6923135 - 38 Fa x : ( 021) 6923137, 6925472
Jakar ta - Cideng Timur Jl. Cideng Timur No. 70 Tel : ( 021) 3523537 - 40 Fa x : ( 021) 3506458
Jakar ta - Pluit Kencana Jl. Pluit Kencana Raya No. 45-47 Tel : ( 021) 6612006 - 10 Fa x : ( 021) 6627920, 6684552
Jakar ta - Duri Kosambi Komp. Taman Semanan Indah Blok C -26 Duri Kosambi Tel : ( 021) 54394596, 394696, 54394398 - 498 Fa x : ( 021) 54394696
Jakar ta - Muara Karang Jl. Muara Karang Raya No. 72 A-b Blok Z-3 Selatan Tel : ( 021) 6682336 - 38 - 3309 - 3310 Fa x : ( 021) 6682335
Jakar ta - Joglo Intercon Jl. Ry Joglo Grand Intercon Blok W3-22 Tel : ( 021) 5867024 - 30 - 36 Fa x : ( 021) 5867018
Jakar ta - Pantai Indah Kapuk Komp. Mediterania Blok X3 No. A8M-A8N Pantai Indah Kapuk Tel : ( 021) 5882177 - 78, 5884803 Fa x : ( 021) 5884510
Jakar ta - Grogol Muwardi Jl. Muwardi Raya No. 7 Tel : ( 021) 5667010, 5640121, 5602540 0794 - 4518 Fa x : ( 021) 5640122
Jakar ta - Kapuk Teluk Gong Komp. Taman Permata Indah II Blok M No. 34, Kampung Gusti Tel : ( 021) 6611383, 6670803, 6611363 Fa x : ( 021) 6600742
Jakar ta - Palmerah Jl. Palmerah Barat No. 38 A Blok 5-6 Kel. Grogol Utara Tel : ( 021) 5304949 - 51, 5363945-46, 5329245 Fa x : ( 021) 5329248
Jakar ta - Jelambar Jl. Jelambar Baru I No. 1b Grogol Petamburan Tel : ( 021) 5608981- 82, 5632429 Fa x : ( 021) 5608982
Jakar ta - Tanjung Duren Jl. Tanjung Duren Raya No. 62 Tel : ( 021) 5664188, 5664194 Fa x : ( 021) 5664193, 5635336
Jakar ta - P. Jayakar ta Jl. Pangeran Jayakar ta Raya No. 22 Tel : ( 021) 6399272, 6285274 Fa x : ( 021) 6285272 Jakar ta - Mangga Besar Jl. Mangga Besar Raya No.42 A-B Tel : ( 021) 6240518, 6265604 Fa x : ( 021) 6240515
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Jakar ta - Warung Buncit Jl. Warung Buncit Raya No. 107 Tel : ( 021) 7982067 Fa x : ( 021) 7982041 Jakar ta - Tebet Supomo Jl. Prof. Dr. Supomo No. 55 J Tel : ( 021) 8350387 - 89 Fa x : ( 021) 8353110 Jakar ta - Wisma Elek trindo Jl. Kuningan Barat No. 8 Gedung Elek trindo Tel : ( 021) 5269315 - 16 - 23 Fa x : ( 021) 5269321 Jakar ta - MT Har yono Jl. Mt Har yono Kav. 10 Lt. 1 R. 102 Gd. Mugi Griya Tel : ( 021) 8308406 - 07 Fa x : ( 021) 8308409 Jakar ta - Menara Danamon Menara Bank Danamon Lt. Dasar Jl. Prof. Dr. Satrio Kav E 4/6 Tel : ( 021) 57991001- 03 Fa x : ( 021) 57991451 Jakar ta - Gedung Sur ya Gedung Sur ya Lt. 1-2 Jl. Mh. Thamrin Kav -9 Tel : ( 021) 39838535 Fa x : ( 021) 39838847 Jakar ta - Abdul Muis Gd. Bank Danamon Lt. Dasar Jl. Abdul Muis No. 60, Tanah Abang Tel : ( 021) 3456608 E x t. 8135 Fa x : ( 021) 3854851 Jakar ta - Wisma BNI Wisma 46 Kota Bni Lt. Dasar Jl. Jend. Sudirman Kav.1 Tel : ( 021) 5727484 - 86 Fa x : ( 021) 5727483
Jakar ta - Sudirman Wisma Gkbi Lt. Gf Suite 05-06 Jl. Jend. Sudirman Kav.28 Tel : ( 021) 5740880 Fa x : ( 021) 2511744, 5707236
Jakar ta - Melawai Jl. Melawai Raya No. 27 Keb-Baru Tel : ( 021) 2700940 - 41 Fa x : ( 021) 2700742
Jakar ta - Cempaka Putih Tengah ( I ) Cempaka Putih Raya No. 11 Tel : ( 021) 4210854, 42800973 Fa x : ( 021) 4210865
Jakar ta - Pondok Indah Komp. Per tokoan Pondok Indah Blok UA No. 1. Jl. Metro Duta Pd. Indah Tel : ( 021) 75914888 Fa x : ( 021) 75914840
Jakar ta - Letjen Suprapto ( II ) Komp. Per tokoan Cempaka Putih, Jl. Letjen Suprapto Blok A No. 17-18 Tel : ( 021) 4203360 - 61 Fa x : ( 021) 4206715
Aetna Gd. Aetna Lt. Dasar 3a, Jl. Jend. Sudirman Kav. 45-46 Tel : ( 021) 5771001 - 1872 - 2257
Jakar ta - Bintaro Veteran Gd. Pesona Lt. Dasar Jl. Ciputat Raya No. 20, Tanah Kusir Tel : ( 021) 7291340 - 43 Fa x : ( 021) 7291344
Jakar ta - Enggano Jl. Enggano No. 26 TJ. Priok Tel : ( 021) 4305101 - 04 Fa x : ( 021) 4358949
Jakar ta-Kalibata Jl. Kali Bata Tengah No. 1F-g Tel : ( 021) 7989237 - 39 Fa x : ( 021) 7982171
Jakar ta - Pd. Indah Mall Metro Pondok Indah Lt. Dasar Blok B1 No.4 Tel : ( 021) 7506904 - 05, 7512361 Fa x : ( 021) 7506885
Jakar ta - Dewi Sar tika Jl. Dewi Sar tika No. 5 B Tel : ( 021) 8004975 - 77 Fa x : ( 021) 8011511
Jakar ta - Metro Pondok Indah Komp. Metro Duta Niaga Blok BA No.47 Jl. Metro Duta Niaga Tel : ( 021) 7662166, 7662235 Fa x : ( 021) 75900549
Menara BEJ Stock E xchange Building Tower Ii Lt. 1, Jl. Jend. Sudirman Kav. 52-53 Tel : ( 021) 5153251, 5155512 Fa x : ( 021) 5153254
Jakar ta - Fatmawati Jl. Rs. Fatmawati No. 24, Cipete Utara Tel : ( 021) 7696116, 7692214, 7500522 Fa x : ( 021) 7500830 Jakar ta - Cinere Cinere Raya Blok A Kav.48-49 Cinere, Depok Tel : ( 021) 7545756 Fa x : ( 021) 7545066 Jakar ta - Depok Margonda Ruko Graha 99 Jl. Margonda Raya No. 99 Kemiri Muka Depok Tel : ( 021) 77201222 - 1666, 77202332 Fa x : ( 021) 77202662 Jakar ta - Bona Indah Jl. Karang Tengah Bona Indah Pla za, Blok A 2/C3 Tel : ( 021) 7659643, 7659641 Fa x : ( 021) 7659639 Jakar ta - Pamulang Jl. Pamulang Permai I Blok E 1 / B Tangerang Tel : ( 021) 74713513 - 14 Fa x : ( 021) 74713515 Jakar ta - Panglima Polim Jl. Panglima Polim Raya No. 47 Tel : ( 021) 7206942 - 48 ,7206218, 7205403, 7393655 Fa x : ( 021) 7393316, 7393668 Jakar ta - Permata Hijau Jl. Nikel Blok C/d No. 23-24 Permata Hijau Tel : ( 021) 5357382 Fa x : ( 021) 5357384 Jakar ta - Cipulir Jl. Ciledug Raya No. 5 Kebayoran Lama Tel : ( 021) 2700080 - 81 Fa x : ( 021) 7251020
Jakar ta - Ragunan Jl. Raya Ragunan Ruko B No. 10-P Tel : ( 021) 7814924 – 25 Fa x : ( 021) 7814922 Jakar ta - Ciputat Juanda Jl. Juanda No.27 Ciputat, Tangerang Tel : ( 021) 7424229 - 32 Fa x : ( 021) 7424228 Jakar ta - Kemang Graha Kapital, Jl. Kemang Raya No. 4 Tel : ( 021) 7198729 - 30 Fa x : ( 021) 7198728 Jakar ta - Menara Imperium Jl. HR. Rasuna Said Kav. 1 Gd. Menara Imperium LG 11A Kuningan Tel : ( 021) 8318733, 8318772, 8318773 Fa x : ( 021) 8318827 Jakar ta - Kelapa Gading I Jl. Boulevard Barat Blok XB No. 8 Tel : ( 021) 4534003 - 26 Fa x : ( 021) 4534025 Jakar ta - Kelapa Gading II Jl. Boulevard Raya Blok F Y No. I/9-12 Tel : ( 021) 4532788 Fa x : ( 021) 4532791, 4529922 Jakar ta - Pulo Gadung Gd. Enseval Jl. Pulo Lentut No. 10 Pulo Gadung Tel : ( 021) 4604111- 12 Fa x : ( 021) 4604114 Jakar ta - Pegambiran Ar tomoro Jl. Pegambiran No.33 D, Rawamangun Tel : ( 021) 4707443 - 46, 470743 Fa x : ( 021) 4703104
Jakar ta - Matraman Matraman Raya No.52 Tel : ( 021) 2800455 - 66 - 77- 544 Fa x : ( 021) 2800540 - 510 Jakar ta - Jatinegara Eks Gedung Tamara Jl. Jatinegara Barat No. 45 Tel : ( 021) 85901177 - 79 Fa x : ( 021) 8515239 Jakar ta - Pasar Jatinegara Eks Gedung Bank Rama Jl. Jatinegara Timur No. 2, Rawa Bunga Tel : ( 021) 2800213 - 217 Fa x : ( 021) 2800189 Jakar ta - Kalimalang Tarum Jl. Tarum Barat Blokh-1 No. 1, Kalimalang Tel : ( 021) 8656662, 8643106, 8643107, 8642057 Fa x : ( 021) 8642058 Jakar ta - Otista Jl. Otista Raya No. 153 Tel : ( 021) 2800418 - 19 Fa x : ( 021) 2800639 Jakar ta - Pd Gede Hankam Jl. Raya Hankam No. 32 Pd. Gede, Bekasi Tel : ( 021) 8474529 - 09 - 03 Fa x : ( 021) 8474477 Jakar ta - Pondok Bambu Jl. Pahlawan Revolusi 125 B, Pondok Bambu Tel : ( 021) 8612527, 8612844 Fa x : ( 021) 8615171 Bekasi - Juanda Jl. Ir. H. Juanda No.159, Bekasi Tel : ( 021) 8812260 Fa x : ( 021) 8812252, 8808537 Bekasi - Metropolitan Mall Metropolitan Mall Lt. Dasar No.25 Jl. Raya Kalimalang Ujung, Bekasi Tel : ( 021) 8848550 - 8030 Fa x : ( 021) 8848030 Bekasi - Cibitung Jl. Teuku Umar Raya No.24, Cibitung Tel : ( 021) 88321113 Fa x : ( 021) 88321115
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Tgr - Daan Mogot Jl. Daan Mogot No.48, Tangerang Tel : ( 021) 5520781 - 82 - 5570 Fa x : ( 021) 5586019, 5525516
Rengasdengklok- Shelby Plaza Jl. Raya Rengasdengklok No.111, Karawang Tel : ( 0267) 482601, 659 Fa x : ( 0267) 482017
Tgr - Alam Sutra Jl. Sutra Niaga I Blok A1/17 Perum Alam Sutera, Tangerang Tel : ( 021) 5398327 - 30 Fa x : ( 021) 5398331
Bekasi - Cikarang Gedung Eks Bank Tamara, Jl. RE Mar tadinata No. 9 Cikarang Bekasi Tel : ( 021) 8904341 – 45 Fa x : ( 021) 8904343
Tgr - Taman Cibodas Komplek Taman Cibodas Jl. Gatot Subroto Ruko Blok A No. 16, Curug Tel : ( 021) 5528430 - 35 - 76 - 7 Fa x : ( 021) 5527429
Cikampek - A . Yani Jl. Jend. A. Yani No. 37c, Cikampek Karawang Tel : ( 0264) 318396 - 496 Fa x : ( 0264) 315425
Tgr - BSD Jl. Pahlawan Seribu Gd. Commercial Bsd Blok 201 Sek tor Vi Tel : ( 021) 5379033, 5379036 Fa x : ( 021) 5376967
Tlb - Pat timura Jl. Pattimura No.2-4, Telukbetung, Bandar Lampung Tel : ( 0721) 487226 Fa x : ( 0721) 487252
Tgr - Bintaro III Bintaro Jaya Sek tor Iiia, Rukan Blok A No. 8-10 Tel : ( 021) 7375160 - 64 Fa x : ( 021) 7375158
Tlb - Ikan Hiu Jl. Ikan Hiu Blok B 2-4 Teluk Betung, Bandar Lampung Tel : ( 0721) 487335, 487334 Fa x : ( 0721) 487336
Cilegon - Raya Merak Jl. Sultan Agung Tir tayasa No. 145, Cilegon Tel : ( 0254) 391769, 380270 - 27 Fa x : ( 0254) 392155
Pringsewu - A . Yani Jl. Ahmad Yani No.65, Pringsewu, Tanggamus Tel : ( 0729) 21326 - 27 Fa x : ( 0729) 21426
Cilegon - Serang Jl. Maulana Hasanuddin, Serang Pla za Blok I No. 5-7 Serang, Cilegon Tel : ( 0254) 203140 - 43 Fa x : ( 0254) 203144 Bogor - Juanda Jl. Ir. H. Juanda No.46 Tel : ( 0251) 329055, 310677, 310680 Fa x : ( 0251) 322111 - 454 Bogor - Cibinong Jl. Raya Cibinong Km 43, Komp. Ruko Simpang 3 Desa Pabuaran, Bogor Tel : ( 0251) 310716, 310702, 310718 Fa x : ( 0251) 366588 Bogor - Leuwiliang Jl. Raya Leuwiliang No.4, Bogor Tel : ( 0251) 648096 - 97 Fa x : ( 0251) 647123 Bogor - Tajur Jl. Raya Tajur No. 67C, Tajur-bogor Tel : ( 0251) 393412 - 15, 390638 Fa x : ( 0251) 390637 Bogor - Warung Jambu Jl. Raya Pajajaran Komp. Ruko Warung Jambu, Bogor Tel : (0251) 322224, 322759, 381839, 323046 Fa x : ( 0251) 323822 Karawang - Tuparev Jl. Tuparev Komp. Ruko Pla za Karawang 5-6, Karawang Tel : ( 0267) 405533 - 66 - 88 - 239 Fa x : ( 0267) 405511-8241
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Tlg.Padang - Rd.Intan Jl. Raya Raden Intan No.A A3, Talang Padang, Tanggamus Tel : ( 0729) 41467 Fa x : ( 0729) 41082 Tj. Karang - Kar tini Jl. Kar tini No.182, Tanjung Karang, Bandar Lampung Tel : ( 0721) 262026 Fa x : ( 0721) 262502 Tj. Karang - Way Halim Jl. Kiai Maja Ruko Way Halim No. 14-15, Bandar Lampung Tel : ( 0721) 701001, 704110 Fa x : ( 0721) 783613
Bdr Jaya - Proklamator Jl. Proklamator Raya No.63 Bandar Jaya, Lampung Tengah Tel : ( 0725) 25002 - 03 Fa x : ( 0725) 25004
Region 02 Cirebon - Yos Sudarso Jl. Yos Sudarso No. 33 Cirebon Tel : ( 0231) 242278 Fa x : ( 0231) 208145 Ciledug - Merdeka Jl. Merdeka Barat No. 60 Ciledug Tel : ( 0231) 661867, 661868 Fa x : ( 0231) 661869 Indramayu - Suprapto Jl. Bima Basuki No.7 Tel : ( 0234) 274477, 273541 Fa x : ( 0234) 273540 Kuningan - Siliwangi Jl. Siliwangi Ruko No. 35-36 Kuningan Tel : ( 0232) 872426, 874641-43 Fa x : ( 0232) 872425 Cirebon - Pagongan Jl. Pagongan Ruko A 2 Cirebon Tel : ( 0231) 242906, 242907 Fa x : ( 0231) 242905 Pamanukan - Ion Jl. Ion Mar tasasmita No. 14 Pamanukan Tel : ( 0264) 551444, 551608 Fa x : ( 0264) 551593 Cirebon - Plered Jl. Raya Plered No. 55 Plered Tel : ( 0231) 320318, 320828 Fa x : ( 0231) 320827 P wk - Mar tadinata Jl. Re. Mar tadinata No. 7 Pur wakar ta Tel : ( 0264) 202491- 494, 201-963 Fa x : ( 0264) 202-495 Subang - Suprapto Jl. Otto Iskandardinata No. 65 Subang Tel : ( 0260 ) 411398 Fa x : ( 0260 ) 411035
Tj. Karang - Raden Intan Jl. Raden Intan Blok A No. 17-18, Bandar Lampung Tel : ( 0721) 265326, 265926 Fa x : ( 0721) 267340
Bandung - Kopo Jl. Kopo No. 26 Bandung Tel : ( 022) 6033153 - 56 Fa x : ( 022) 6032310
Kota Bumi - Sudirman Jl. Jend. Sudirman No.7, Kotabumi, Lampung Utara Tel : ( 0724) 21076, 21990 Fa x : ( 0724) 21458
Bandung - Andir Jl. Sudirman No. 437 Bandung Tel : ( 022) 6002756-58, 6014459, 6042389 Fa x : ( 022) 6002755
Metro.Lpg – Sudirman Jl. Jend. Sudirman No.1-3 / B, Lampung Tel : ( 0725) 41404, 41619 - 65 Fa x : ( 0725) 41483, 42516
Bandung - Asia Afrika Jl. Asia Afrika No. 180 Bandung Tel : ( 022) 4201505 Fa x : ( 022) 4201508
Bandung - Banjaran Jl. Raya Banjaran, Desa Kamasan 256 Bandung Tel : ( 022) 5941472, 5941473 Fa x : ( 022) 5941474
Bandung - Buah Batu Jl. Buah Batu No. 166 Bandung Tel : ( 022) 7305731, 7311901, 7311936, 7300217 Fa x : ( 022) 7312988
Surabaya - Jemur Andayani Jl. Jemur Andayani 46dc, Surabaya Tel : ( 031) 8437309 - 10, 8437350, 8432344, 8411511 Fa x : ( 031) 8411512
Cianjur - Cokroaminoto Jl. Hos. Cokroaminoto No. 36 Cianjur Tel : ( 0263) 264030, 264060 - 70, 264107 Fa x : ( 0263) 264055
Bandung - Juanda Jl. Ir. H. Juanda No. 75 Bandung Tel : ( 022) 4204462 Fa x : ( 022) 4211947
Surabaya - Darmo Jl. Raya Darmo No. 59, Surabaya Tel : ( 031) 5671035 - 37, 5674806 Fa x : ( 031) 5618716
Cimahi - Cibabat Jl. Raya Cibabat No. 310 Ruko B1 Cimahi Tel : ( 022) 6657132, 6644110, 6657133 Fa x : ( 022) 6657134
Garut - Ciledug Jl. Ciledug No. 36 Garut Tel : ( 0262) 238088, 238089 Fa x : ( 0262) 238090
Sidoarjo - A . Yani Jl. A. Yani No. 7, Sidoarjo Tel : ( 031) 8961031 - 33 Fa x : ( 031) 8921573
Cipanas - Raya Cipanas Jl. Cipanas Raya No. 66 Cipanas Tel : ( 0263) 514585, 514106, 514107 Fa x : ( 0263) 516711
Bandung - Kiara Condong Jl. Kiaracondong 218 Bandung Tel : ( 022) 7331315, 7331416 Fa x : ( 022) 7331413
Surabaya - Genteng Jl. Genteng Besar No. 78, Genteng Tel : ( 031) 5324526, 5324528, 5350477 Fa x : ( 031) 5324529
Bandung - Pasir Kaliki Jl. Pasirkaliki 154 Bandung Tel : ( 022) 4208675, 4211172, 4211175 Fa x : ( 022) 4211173
Surabaya - Diponegoro Jl. Diponegoro No. 160, Surabaya Tel : ( 031) 5682605, 5685340 Fa x : ( 031) 5682613
Bandung - Pungkur Jl. Pungkur No. 118 Bandung Tel : ( 022) 5210719 - 21 Fa x : ( 022) 5208352
Surabaya - Kedungdoro Jl. Kedungdoro No. 36-46 Blok A4, Surabaya Tel : ( 031) 5320962 - 63, 5327873 Fa x : ( 031) 5327750
Bandung - Gardujati Jl. Gardujati No. 66 B Bandung Telp : ( 022) 4213566 - 7 Fa x : ( 022) 4213564 Bandung - Kopo Sayati Komp. Taman Kopo Indah, Ruko 2 &3 Bandung Tel : ( 022) 5407163 - 5407167 Fa x : ( 022) 5407166 Bandung - M. Toha Jl. Moh. Toha No. 152 A Bandung Tel : ( 022) 5226724, 5222839 Fa x : 5226723 Bandung - Otista Jl. Otto Iskandardinata No. 22 Bandung Tel : ( 022) 4241577, 4241578 Fa x : ( 022) 4241570 Sukabumi - A . Yani Jl. Jend. Ahmad Yani No. 30 Sukabumi Tel : ( 0266) 221188 Fa x : ( 0266) 221524 Bandung - Sumbersari Ruko Sumber Sari Jl. Sukarno Hatta 130 Bandung Tel : ( 022) 6120755 - 790 Fa x : ( 022) 6037836
Bandung - Setia Budi Jl. Dr. Setiabudi No. 63 Bandung Tel : ( 022) 2033662, 2035662, 2037732 Fa x : ( 022) 2035478 Bandung - Setrasari Mall Komp. Ruko Setrasari Mall No. 22 Bandung Tel : ( 022) 2016002, 2016005 Fa x : ( 022) 2016001 Tasikmalaya - Yuda Negara Jl. Yudanegara No. 40 Tasikmalaya Tel : ( 0265) 332151 Fa x : ( 0265) 331498 Bandung - Ujung Berung Jl. Raya Ujung Berung 131 Bandung Tel : ( 022) 7809717, 7809718 Fa x : ( 022) 7832050
Gresik - Kar tini Jl. R.a. Kar tini 236 / 5 , Gresik Tel : ( 031) 3985638-39, 3987975 Fa x : ( 031) 3985640 Surabaya - Ker tajaya Jl. Ker tajaya No. 141 A, Surabaya Tel : ( 031) 5031411, 5032679 Fa x : ( 031) 5033611 Surabaya - Rajawali Jl. Rajawali No. 51 B, Surabaya Tel : ( 031) 3535028, 3574359 Fa x : ( 031) 3535029 Krian Ruko Krian Permai Blok A-12 Jl. Raya Krian Tel : ( 031) 8972152 - 54, 8972153 Fa x : ( 031) 8972155
Region 0 3 Mojoker to - Sudirman Jl. Pb. Sudirman No. 79, Mojoker to Tel : ( 0321) 325752, 324295, 325744 Fa x : ( 0321) 395733
Bandung - Merdeka Jl. Merdeka No. 40 Bandung Tel : ( 022) 4241188 Fa x : ( 022) 4236123
Surabaya - Gubernur Sur yo Jl. Gubernur Sur yo No. 12, Surabaya Tel : ( 031) 5321974, 5312126, 5346690 Fa x : ( 031) 5340783
Bandung - A . Yani Jl. Ahmad Yani No. 638 Bandung Tel : ( 022) 7200010 Fex : ( 022) 7208493
Surabaya - Coklat Jl. Coklat No. 8 , Surabaya Tel : ( 031) 3524091 - 93, 3538140, Fa x : ( 031) 3551352
Bangkalan - Trunojoyo Jl. Trunojoyo No. 39 B, Bangkalan Tel : ( 031) 3097979, 3096769, 3098001, 3099343 Fa x : ( 031) 3096772
Banjar - Kantor Pos Jl. Kantor Pos No. 40 Banjar Tel : ( 0265) 742033, 742034 Fa x : ( 0265) 742270
Surabaya - Pasar Turi Komp. Sinar Gala xi B - 70, Surabaya Tel : ( 031) 3532473 - 74 Fa x : ( 031) 3559275
Lamongan - Babat Jl. Raya Babat No. 232, Babat Tel : ( 0322) 452975, 452069, 455645 Fa x : ( 0322) 452976 Surabaya - Mulyosari Jl. Mulyosari No. 134, Surabaya Tel : ( 031) 5932932 - 33 Fa x : ( 031) 5932712
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Surabaya - Ngagel Jl. Ngagel Jaya Selatan, RMI Blok A /3 Surabaya Tel : ( 031) 5044111, 5044375 Fa x : ( 031) 5044374 Sidoarjo - Sepanjang Jl. Bebekan 24, Sepanjang Tel : ( 031) 7870356 - 9 Fa x : ( 031) 7870360 Surabaya - Embong Jl. Embong Malang No. 67 B, Surabaya Tel : ( 031) 5319955, 5319966, 5340494 Fa x : ( 031) 5340495 Surabaya - Pasar Atum Komp. Pasar Atum Jl. Bunguran No. 45, Tahap IV Blok G3 Tel : ( 031) 3541197, 3541198, 3536579, 3538981 Fa x : ( 031) 3557866 Sumenep - Trunojoyo Jl. Trunojoyo No. 49, Sumenep Tel : ( 0328) 665518 - 19, 662130 Fa x : ( 0328) 665517 Surabaya - Kapas Krampung Jl. Kapas Krampung No. 106, Surabaya Tel : ( 031) 5032201 - 04, 5032207 Fa x : ( 031) 5032206 Sidoarjo - Porong Jl. Raya Porong No. 148, Porong, Sidoarjo Tel : ( 0343) 853640 - 41, 851641 Fa :( 0343) 853642 Surabaya - Diponegoro II Jl. Diponegoro No. 31, Surabaya Tel : ( 031) 5651088, 5651078 Fa x : ( 031) 5651067 Surabaya - HR Muhammad Jl. Hr. Muhammad No. 86 C-D, Surabaya Tel : ( 031) 7341182 - 86, 7343810 Fa x : ( 031) 7341181 Surabaya - Panglima Sudirman Jl. Panglima Sudirman 11-17, Surabaya Tel : ( 031) 5346885, 5343811 Fa x : ( 031) 5474613 Surabaya - Klampis Jl. Klampis Jaya No. 136, Surabaya Tel : ( 031) 5928570, 5991834 Fa x : ( 031) 5994861, 5964814 Jombang - KH. Wahid Hasyim Jl. Kh. Wachid Hasyim No. 121, Jombang Tel : ( 0321) 862124 - 25 Fa x : ( 0321) 861245 Ker tosono - A . Yani Jl. A. Yani No. 41, Ker tosono Tel : ( 0358) 551707, 551181 Fa x : ( 0358) 553342 Bojonegoro - Suropati Jl. Untung Suropati No. 26, Bojonegoro Tel : ( 0353) 881979 Fa x : ( 0353) 881556
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Tuban - Lukman Hakim Jl. Lukman Hakim No. 62, Tuban Tel : ( 0356) 324400, 324095, 323644 Fa x : ( 0356) 324094
Tulungagung - Kasihin Jl. Kapten Kasihin No. 157 Tulungagung Tel : ( 0355) 322096 - 98 Fa x : ( 0355) 322095
Pamekasan - Trunojoyo Jl. Trunojoyo No. 63, Pamekasan Tel : ( 0324) 326995 - 96, 328326 Fa x : ( 0324) 323989
Blitar - Merdeka Jl. Merdeka 28 Kav. Iv - V, Blitar Tel : ( 0342) 803003, 801500, 805909, 807684 Fa x : ( 0342) 803004
Malang - Kawi Jl. Kawi No. 15, Malang Tel : ( 0341) 367766 Fa x : ( 0341) 369314 Batu - Dewi Sar tika Jl. Dewi Sar tika No. 8 A, Batu-malang Tel : ( 0341) 593795 - 96 Fa x : ( 0341) 593794 Pasuruan - Soekarno Hat ta Jl. Soekarno Hatta No. 28 - 29, Pasuruan Tel : ( 0343) 427301 - 03, 428822 - 24 Fa x : ( 0343) 427304 Probolinggo - Sudirman Jl. Pb. Sudirman No. 209, Probolinggo Tel : ( 0335) 420526 - 28, 421391 Fa x : ( 0335) 420529 Malang - Ade Irma Jl. Ade Irma Sur yani Blok B7-8, Malang Tel : ( 0341) 348671 - 73 Fa x : ( 0341) 348674 Pandaan Jl. Raya Jogonalan No. 32, Pandaan Tel : ( 0343) 632641 - 42, 632752 Fa x : ( 0343) 632751 Kraksaan Jl. Panglima Sudirman No. 243 Kraksaan-Probolinggo Tel : ( 0335) 841053, 843533 Fa x : ( 0335) 843261 Lawang Jl. M. Thamrin No. 12, Lawang Tel : ( 0341) 425465 Fa x : ( 0341) 427559
Madiun - Cokroaminoto Jl. Cokroaminoto No. 124, Madiun Tel : ( 0351) 457930, 493341 Fa x : ( 0351) 455940 Trenggalek - Sudirman Jl. P. Sudirman No. 90 F, Trenggalek Tel : ( 0355) 792139, 791421 Fa x : ( 0355) 792140 Magetan - A . Yani Jl. Ahmad Yani No. 75, Magetan Tel : ( 0351) 894467 - 68, 892481 Fa x : ( 0351) 894466 Ponorogo - Gajahmada Komp. Per tokoan Gajah Mada No. 42, Ponorogo Tel : ( 0352) 482576 - 77 Fa x : ( 0352) 486809 Ngawi - J. A . Suprapto Jl. Jaksa Agung Suprapto No.19, Ngawi Tel : ( 0351) 746562 - 63, 745912 Fa x : ( 0351) 746564 Pacitan - Sudirman Jl. Sudirman No. 143, Pacitan 63518 Tel : ( 0357) 881342, 882546 - 47 Fa x : ( 0357) 882545 Nganjuk - A . Yani Jl. A. Yani No. 78, Nganjuk 64418 Tel : ( 0358) 321026, 323896 Fa x : ( 0358) 323890 Wlingi Jl. Urip Sumoharjo No. 06, Wlingi, Blitar Tel : ( 0342) 691042, 692812, 693965 Fa x : ( 0342) 693961
Kepanjen Jl. A. Yani 34 D/h. Pahlawan 30, Kepanjen-Malang Tel : ( 0341) 396486, 396338 Fa x : ( 0341) 396337
Pare - Mastrip Jl. Mastrip No. 44, Pare Kediri Tel : ( 0354) 391690 Fa x : ( 0354) 394346
Dampit Jl. Semeru Selatan No. 73, Dampit Tel : ( 0341) 896922, 896746 Fa x : ( 0341) 896747
Jember - Gajah Mada Jl. Gajah Mada No. 84, Jember Tel : ( 0331) 486165 Fa x : ( 0331) 485303; 485401
Leces Jl. Raya Leces No. 183, Leces, Probolinggo Tel : ( 0335) 680349, 680503 Fa x : ( 0335) 680504
Banyuwangi - A . Yani Jl. A. Yani No. 41, Banyuwangi 68414 Tel : ( 0333) 425211 - 13 Fa x : ( 0333) 421859
Kediri - Brawijaya Jl. Brawijaya No. 33, Kediri 64123 Tel : ( 0354) 684608 Fa x : ( 0354) 684844
Banyuwangi - Genteng Jl. Gajah Mada No. 4 & 5, Genteng, Banyuwangi 68465 Tel : ( 0333) 845833, 846567 Fa x : ( 0333) 845883
Situbondo - Sapudi Jl. Sepudi No. 02, Situbondo Tel : ( 0338) 673195 - 97 Fa x : ( 0338) 673194 Lumajang - Sudirman Jl. Pb. Sudirman No. 2 A, Lumajang Tel : ( 0334) 884117 - 19, 887180 Fa x : ( 0334) 884120 Bondowoso - Sudirman Jl. P.b. Sudirman No. 60, Bondowoso Tel : ( 0332) 423939, 422894 Fa x : ( 0332) 422895 Besuki Jl. Patimura No. 576, Besuki, Situbondo Tel : ( 0338) 891954, 892371 Fa x : ( 0338) 891953 Banyuwangi - Jajag Jl. Pb. Sudirman No. 3, Jajag, Banyuwangi Tel : ( 0333) 397228, 394137 Fa x : ( 0333) 397107 Tanggul - Sudirman Jl. Pb. Sudirman No.42, Tanggul, Jember Tel : ( 0336) 444520, 444500 Fa x : ( 0336) 444530
Denpasar - Sanur Jl. Bay Pass I Gusti Ngurah Rai Ruko Sanur 4d Sanur Tel : ( 0361) 285866 Fa x : ( 0361) 285867 Kuta - Legian Jl. Raya Legian, Kuta Tel : ( 0361) 751908 Fa x : ( 0361) 753746 Tabanan - Gajah Mada Jl. Gajah Mada No. 81 Tel : ( 0361) 813457 Fa x : ( 0361) 813459 Gianyar - Ngurah Rai Jl. Ngurah Rai No: 59 Tel : ( 0361) 942162, 941468 Fa x : ( 0361) 942160 Negara - Ngurah Rai Jl. Ngurah Rai No: 101 Tel : ( 0365) 42361 Fa x : ( 0365) 42364 Singaraja - A . Yani Jl. Ahmad Yani No: 46 Tel : ( 0362) 25729 - 28 Fa x : ( 0362) 21891
Rogojampi Jl. Raya Rogojampi No. 74, Rogojampi, Banyuwangi Tel : ( 0333) 635860 - 61 Fa x : ( 0333) 635862
Klungkung - Diponegoro Jl. Nakula No. 28 Klungkung Tel : ( 0366) 23531 Fa x : ( 0366) 23530
Denpasar - Gn Agung Jl. Gunung Agung No: 1 A Tel : ( 0361) 436490 Fa x : ( 0361) 436498
Ubud - Campuan Ida Bagus Manik, Banjar Peliatan Tel : ( 0361) 975405 Fa x : ( 0361) 975247
Denpasar - Diponegoro Jl. Diponegoro No: 151 Tel : ( 0361) 262860 Fa x : ( 0361) 262859
Krg. Asem - Gajahmada Jl. Gajah Mada No: 53 Tel : ( 0363) 22426 - 7 Fa x : ( 0363) 21698
Denpasar - H. Wuruk Jl. Hayam Wuruk No: 130 Tel : ( 0361) 224312 , 243590 Fa x : ( 0361) 224307
Mataram - Pejanggik Jl. Pejanggik No. 117 Tel : ( 0370 ) 631322 - 24 Fa x : ( 0370 ) 633068
Denpasar - Nusa Dua Jl. Bay Pass I Gusti Ngurah Rai Nusa Dua, Badung Tel : ( 0361) 774156 Fa x : ( 0361) 771535
Sweta - Teguh Faisal Kompl Per tokoan Mandalika N - 9 Tel : ( 0370 ) 671260 , 673641 Fa x : ( 0370 ) 671095
Ubung - Cokroaminoto Jl. Hos Cokroaminoto No: 10 A Tel : ( 0361) 425721, 430004 Fa x : ( 0361) 429123 Denpasar - Teuku Umar Jl. Teuku Umar No: 121 C Tel : ( 0361) 243919, 243920 Fa x : ( 0361) 224967 Denpasar - Gatot Subroto Jl. Gatot Subroto No. 79 Tel : ( 0361) 429003 Fa x : ( 0361) 427829
Ampenan Jl. Koperasi Tel : ( 0370 ) Fa x : ( 0370 )
Yos Sudarso No. 1 637189 635772
Bima - Sultan Kaharudin Jl. Sultan Kaharudin No. 3 Tel : ( 0374) 44058 - 9 Fa x : ( 0374) 44057 Sumbawa - Diponegoro Jl. Diponegoro No: 20 Tel : ( 0371) 23347 Fa x : ( 0371) 23302
Kupang - Sumatera Jl. Sumatra No. 43 Tel : ( 0380 ) 831700, 832972 Fa x : ( 0380 ) 831702 Sikka - Raya Centis Jl. Raya Centis No. 1 Tel : ( 0382) 22022 - 4 Fa x : ( 0382) 22021 Atambua - Sudirman Jl. Sudirman No. 26 Tel : ( 0389) 22123, 21534 Fa x : ( 0389) 21543 Ende - Soekarno Jl. Soekarno No: 77 Tel : ( 0381) 22408, 22410, 22602 Fa x : ( 0381) 22409
Region 0 4 Makassar - A . Yani Jl. Jend Achmad Yani No.11 - 13, Makassar Tel : ( 0411) 312745, 312774, 312762 Fa x : ( 0411) 312776 Makassar - Mall Jln. K.h Ramli No.89 Makassar Tel : ( 0411) 331896, 326990, 331725 Fa x : ( 0411) 332580 Makassar - Slamet Riyadi Jl. Slamet Riyadi No.1 Makassar Tel : ( 0411) 334177 Fa x : ( 0411) 323983 Makassar - Latimojong Jl. Gunung Latimojong No.22, Makassar Tel : ( 0411) 314471, 314479, 314482 Fa x : ( 0411) 314474 S. Minasa - W. Hasyim Jl. KH. Wahid Hasyim No.135, Sungguminasa Tel : ( 0411) 869842, 869843 Fa x : ( 0411) 869845 Makassar - Sulawesi Jl. Sulawesi 324, Makassar Tel : ( 0411) 325045, 325397, 325398 Fa x : ( 0411) 325425 Makassar - Panakukang Jl. Panakukang Mas Ruko Jasper Ii /24-25 Tel : ( 0411) 422505, 422506, 422515 Fa x : ( 0411) 422509 Makassar - Panampu Jl. Tinumbu No. 321, Makassar Tel : ( 0411) 445454, 448181 Fa x : ( 0411)443838 Makassar - Cendrawasih Jl. Cendrawasih No. 240 A, Makassar Tel : ( 0411) 853931, 853933, 853934 Fa x : ( 0411) 871661 Pare-Pare - Hasanudin Jl. Sultan Hasanuddin No. 50 Pare-pare Tel : ( 0421) 22322, 22522 Fa x : ( 0421) 22111
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Pinrang - A . Makasau Jl. Andi Makassau No. 102, Pinrang Tel : ( 0421) 922171 Fa x : ( 0421) 922172
Kolaka - R A . Kar tini Jl. R A. Kar tini No. 09, Kolaka Tel : ( 0405) 22275, 22276 Fa x : ( 0405) 22278
Manado - Sutomo Jl. Dr. Sutomo No. 62 Manado Tel : ( 0431) 868122,868138 Fa x : ( 0431) 860772
Rantepao - A . Yani Jl. Jend Achmad Yani No. 115, Rantepao Tel : ( 0423) 21079, 21141 Fa x : ( 0423) 21144
Raha - Sudirman Jl. Jend Sudirman No. 46, Raha Tel : ( 0403) 21304, 21305 Fa x : ( 0403) 21739
Manado - Bahu Mall Komp. BCP Jl. W. Monginsidi Blok S No. 8 Manado Tel : ( 0431) 841621 Fa x : ( 0431) 841627
Makale - Merdeka Jl. Merdeka No. 30, Makale Tel : ( 0423) 24222, 24230 Fa x : ( 0423) 24220
Ambon - Diponegoro Jl. Pangeran Dipenegoro No. 34, Ambon Tel : ( 0911) 354063 - 65 Fa x : ( 0911) 354062
Palopo Ruko Terminal Blok E No. 1 - 2 Jl. Rambutan Kotamadya Palopo Tel : ( 0471) 21900, 22258 Fa x : ( 0471) 23540
Masohi - A . Solissa Jl. Abdul Soulissa No. 111, Masohi Tel : ( 0914) 22120, 22121 Fa x : ( 0914) 22119
Sidrap - Sudirman Jl. Jend Sudirman No.48 Pangkajene, Sidrap Tel : ( 0421) 91279, 91848, 91158 Fa x : ( 0421) 91849 Bone - Agus Salim Jl. KH. Agus Salim No. 01, Bone Tel : ( 0481) 22213 Fa x : ( 0481) 21923 Wajo - R A . Kar tini Jl. R.A. Kar tini No. 101, Sengkang Tel : ( 0485) 22277, 21276 Fa x : ( 0485) 21900 Bulukumba - Raja Jl. Sultan Dg Raja No. 15, Bulukumba Tel : ( 0413) 82068, 82069 Fa x : ( 0413) 81164 Polmas - Kemakmuran Jl. Kemakmuran No. 221, Polmas Tel : ( 0428) 21600, 21500 Fa x : ( 0428) 21620 Pangkep - Kemakmuran Jl. Kemakmuran No. 15a, Pangkep Tel : ( 0410 ) 21925, 21926 Fa x : ( 0410 ) 21927 Maros - Sudirman Jl. Jend Sudirman No. 4, Maros Tel : ( 0411) 372216, 372256 Fa x : ( 0411) 372217 Kendari - Diponegoro Jl. Pangeran Diponegoro 55, Kendari Tel : ( 0401) 322206, 322275-76 Fa x : ( 0401) 322279 Kendari - Wua-wua Jl. MT Har yono No. 16, Wua-wua Kendari Tel : ( 0401) 395896, 395897 Fa x : ( 0401) 395898 Bau-Bau - M. Thamrin Jl. Yos Sudarso No. 17, Bau-bau Tel : ( 0402) 23108, 23109 Fa x : ( 0402) 23113
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Jayapura - A . Yani Jl. Jend Achmad Yani No. 9, Jayapura Tel : ( 0967) 531713, 531715 Fa x : ( 0967) 531711 Abepura - Raya Abe Jl. Raya Sentani, Abepura Tel : ( 0967) 584367, 584368 Fa x : ( 0967) 584366 Sorong - A . Yani Jl. Jend Achmad Yani No. 95, Sorong Tel : ( 0951) 321501, 324817, 325555 Fa x : ( 0951) 325897 Merauke - Mandala Jl. Raya Mandala 71, Merauke Tel : ( 0971) 323261, 323263 Fa x :( 0971) 324343 Merauke - Asiki Capem Kompleks Korindo, Asike Tel : ( 021) 7976256, 7976258 Fa x : ( 021) 7976259 Manok wari - Y.sudarso Jl. Yos Sudarso No. 50 - 52 Manok wari Tel : ( 0986) 213782, 213784 Fa x : ( 0986) 213785 Nabire - Y.sudarso L. Yos Sudarso No. 12, Nabire Tel : ( 0984) 23166, 23167 Fa x : ( 0984) 23169 Biak - Imam Bonjol Jl. Imam Bonjol No. 34, Biak Tel : ( 0981) 24023, 24024 Fa x : ( 0981) 24026 Timika - Yos Sudarso Jl. Yos Sudarso No. 42, Timika Tel : ( 0901) 322244, 321478 Fa x : ( 0901) 321462 Kuala Kencana - Timika Jl. Mandala Raya Selatan, Pusat Belanja Kuala Kencana Timika Tel : ( 0901) 302190-92 Fa x : ( 0901) 302189
Manado - Ranotana Jl. Sam Ratulangi No. 399 Manado Tel : ( 0431) 855235, 870420 Fa x : ( 0431) 841948 Manado - Toar Jl. Toar No. 17 Manado Tel : ( 0431) 860525, 860524, 846290 Fa x : ( 0431) 860526 Minahasa - Tomohon Jl. Raya Tomohon No.40a Minahasa Tomohon Tel : ( 0431) 351970, 71 Fa x : ( 0431) 351972 Amurang - P. Lingkungan Jl. Pasar Lingk.vii No. 1 Amurang Tel : ( 0430 ) 21143, 21870 Fa x : ( 0430 ) 21914 Bitung - S. Ratulangi Jl. Sam Ratulangi No. 44 Bitung Tel : ( 0438) 31120, 30110 Fa x : ( 0438) 30164 Tahuna - Hasanudin Jl. Hasanudin No. 65 Tahuna Sangihe Tel : ( 0432) 22537, 22538 Fa x : ( 0432) 22540 Gr.Talo - A . Yani Jl. Ahmad Yani No. 58 Gorontalo Tel : ( 0435) 824137, 823961, 822569 Fa x : ( 0435) 826992 Gorontalo - Marisa Jl. Trans Sulawesi No. 128 Marisa Tel : ( 0443) 210261, 210167 Fa x : ( 0443) 210695 Limboto - Mbui Bungale Jl. Mbui Bungale No. 4 Limboto Tel : ( 0435) 881770, 881765 Fa x : ( 0435) 881769 Kotamobagu - Kar tini Jl. Kar tini No. 43 Kotamobagu Bolaang Mongondow Tel : ( 0434) 22007, 21023 Fa x : ( 0434) 22340 Palu - Hasanudin Jl. St. Hasanuddin No. 27 Palu Tel : ( 0451) 423452, 423053 Fa x : ( 0451) 423813, 453136 Palu - Gajah Mada Jl. Gajah Mada 136 Palu Tel : ( 0451) 454911 Fa x : ( 0451) 454912
Luwuk - Banggai Jl. Kol. Sugiono No. 171 Luwuk Tel : ( 0461) 22931, 22960,22957 Fa x :( 0461) 22959
Samarinda - Sudirman Jl. Jendral Sudirman 31 Samarinda Tel : ( 0541) 732832 - 5, 732837 Fa x : ( 0541) 732831, 205448
Tj. Selor - Skip II Jl. Skip II Kavling 20 Tanjung Selor Tel : ( 0552) 22266, 22555 Fa x : ( 0552) 22239
Donggala - Kemakmuran Jl. Kemakmuran No. 3 Donggala Tel : ( 0457) 71498 , 71596 Fa x : ( 0457) 71497 Parigi - Masigi Jl. Trans Sulawesi No. 27 Parigi Tel : ( 0450 ) 21658 Fa x : ( 0450 ) 21659
Samarinda - Citra Niaga Jl. niaga Timur 37 Blok A Samarinda Tel : ( 0541) 202021 Fa x : ( 0541) 741802
Palangkaraya - A . Yani Jl. jendral A.yani 82 Palangkaraya Tel : ( 0536) 22131, 22132, 22642 Fa x : ( 0536) 21197, 24482
Samarinda - Antasari Jl. antasari 26 Samarinda Tel : ( 0541) 744951 Fa x : ( 0541) 751156
Pangkalan Bun Jl. Pangeran Antasari No 5 Pangkalan Bun Tel : ( 0532) 23165 Fa x : ( 0532) 24843
Toli-Toli - U.Binol Jl. Usman Binol No. 43 Tolitoli Tel : ( 0453) 23100 Fa x : ( 0453) 23202 Ternate - P. Revolusi Jl. Pahlawan Revolusi No. 426 Ternate Tel : ( 0921) 22082, 23233, 21975 Fa x : ( 0921) 25966, 21859
Region 0 5 Banjarmasin - Lb. Mangkurat Jl. Lambung Mangkurat 50 , Banjarmasin Tel : ( 0511) 66824, 66825, 51171, 66836 Fa x : ( 0511) 363583, 66847 Banjarmasin - Hotel Istana Barito Jl. Mt Har yono No 16-20, Banjarmasin Tel : ( 0511) 361825 Fa x : ( 0511) 364427 Banjarmasin - Achmad Yani Jl. A. Yani Km 2,5 No.81 Banjarmasin Tel : ( 0511) 266279 - 81 Fa x : ( 0511) 266282 Banjarmasin - Pasar Baru Jl. Pasar Baru Indah Blok IVA Banjarmasin Tel : ( 0511) 362643, 56801 Fa x : ( 0511) 51168
Balikpapan - Sudirman Jl. Jendral Sudirman 54 Balikpapan Tel : ( 0542) 733134 - 8 Fa x : ( 0542) 736401 Balikpapan - Pandansari Jl. Pandan Sari 3 Balikpapan Tel : ( 0542) 413294, 413293 Fa x : ( 0542) 440716 Balikpapan - Klandasan Jl. Jendral Sudirman Komp. Banda Blok A5 & A 24 Balikpapan Tel : ( 0542) 738345, 733445 Fa x : ( 0542) 738346 Balikpapan - Rapak Jl. Jendral Achmad Yani Pla za Muara Rapak Blok RB No 12 B Balikpapan Tel : ( 0542) 748001, 748002 Fa x : ( 0542) 748003 Tenggarong - Maduningrat Jl. Maduningrat 59 Tenggarong, Kutai Ker tanegara Tel : ( 0541) 662633 Fa x : ( 0541) 662124 Tarakan - Yos Sudarso Jl. Yos Sudarso 30 Tarakan Tel : ( 0551) 24648 - 50 Fa x : ( 0551) 22531
Banjarmasin - Antasari Jl. Antasari 95/26 Rt.17 Banjarmasin Tel : ( 0511) 252953, 263151 Fa x : ( 0511) 261383
Gusher Tarakan Jl. Gajahmada Pla za Gusher Blok E No 5A ,Tarakan Tel : ( 0551) 36146, 36148 Fa x : ( 0551) 36147
Banjar Baru Jl. Jendral A. Yani Km.34 No.31, Banjarbaru Tel : ( 0511) 780023, 780024, 780405 Fa x : ( 0511) 782850
Tj. Redep - AKB Sanipa Jl. AKB Sanipa 669 Tanjung Redeb, Berau Tel : ( 0554) 22429, 22970 Fa x : ( 0554) 22095
Kotabaru - Singabana Jl. Putri Ciptasari 8-10 Kotabaru Tel : ( 0518) 22256, 22257 Fa x : ( 0518) 21254, 21905
Bontang - Bayangkara Jl.Bhayangkara 4a Bontang Tel : ( 0548) 26486, 26485 Fa x : ( 0548) 25295
Batu Licin Jl. Raya Batulicin No. 2 - 3 Batulicin, Tanah Bumbu Tel : ( 0518) 70777, 70779 Fa x : ( 0518) 70778
Tanah Grogot Jl. Kar tini No 42 Tanah Grogot Tel : ( 0543) 21043, 22745, 22734 Fa x : ( 0543) 22747
Kumai - Bendahara Jl. Pangeran Bendahara 22 Kumai Tel : ( 0532) 61745, 61746 Fa x : ( 0532) 61554 Sampit - Mayjen Sutoyo Jl. mayjend Sutoyo 86 Sampit Tel : ( 0531) 22228, 22229, 23041, 23042 Fa x : ( 0531) 24833 Pontianak - Tanjung Pura Jl. Tanjungpura 196 Pontianak Tel : ( 0561) 730898, 735211, 736264 Fa x : ( 0561) 765595, 765594 Pontianak - ST. Muhammad Jl. Sultan Muhammad 173 Pontianak Tel : ( 0561) 731156 Fa x : ( 0561) 734462, 736264 Siantan - Khatulistiwa Jl. khatulistiwa 99 H-1 Pontianak Tel : ( 0561) 881761, 881762 Fa x : ( 0561) 883901 Seipinyuh - Ps.baru Jl. Raya Jurusan Pontianak No 121 Sei Pinyuh, Pontianak Tel : ( 0561) 652868, 652869 Fa x : ( 0561) 652870 Pontianak - Abd. Rachman Jl. Sutan Abdurrahman 12 A Tel : ( 0561) 764957, 764334 Fa x : ( 0561) 761939 Singkawang - Diponegoro Jl. Niaga No 58 - 62, Singkawang Tel : ( 0562) 634275 Fa x : ( 0562) 634276 Sintang - WR . Supratman Jl. MT. Har yono No.5 Sintang Tel : ( 0565) 22302, 22318 Fa x : ( 0565) 22316 Pemangkat - M. Hambal Jl. Mohammad Hambal 48 Pemangkat Sambas Tel : ( 0562) 242222, 242288 Fa x : ( 0562) 242123 Ketapang - Merdeka Jl. Merdeka 181 Ketapang Tel : ( 0534) 33297, 33576 Fa x : ( 0534) 33578
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Region 0 6 Medan Ismud Jl. Iskandar Muda No. 226-230, Medan Tel : ( 061) 4155090 Fa x : ( 061) 4536269 Medan Petisah Jl. Nibung Utama No. 3-4, Medan Tel : ( 061) 4575685, 4575693 Fa x : ( 061) 4575725 Medan Thamrin Jl. Thamrin No.93-95, Medan Tel : ( 061) 7343188, 7366811 Fa x : ( 061) 7342616 Binjai Jl. Jend. Sudirman No.60, Binjai Tel : ( 061) 8821059, 8825553, 8825505 Fa x : ( 061) 8821637 Tj. Pura Jl. Pemuda No. 20, Tanjungpura Tel : ( 061) 8960433 Fa x : ( 061) 8960801 Medan Pemuda Jl. Pemuda No. 5 A-D, Medan Tel : ( 061) 4154611 Fa x : ( 061) 4566358 Medan Puspa Jl. Pusat Pasar No.p 187, Medan Tel : ( 061) 4156006, 4531517, 4158994 Fa x : ( 061) 4159782 Medan Sutomo Jl. Rahmadsyah No. 28a, Medan Tel : ( 061) 7351436 Fa x : ( 061) 7351460 Medan Pandu Jl. Pandu 41/70, Medan Tel : ( 061) 4576222 Fa x : ( 061) 4565241 Medan Diponegoro Jl. P. Diponegoro No. 35, Medan Tel : ( 061) 4552000 Fa x : ( 061) 4526485 Medan Putri Hijau Jl. Putri Hijau No. 2, Medan Tel : ( 061) 4152655 Fa x : ( 061) 4576606 Medan A . Yani Jl. Ahmad Yani No. 74, Medan Tel : ( 061) 4519339 Fa x : ( 061) 4158935 Tj. Morawa Jl. Irian 111, Deli Serdang / Tj. Morawa Tel : ( 061) 7945929 Fa x : ( 061) 7945778 Tebing Tinggi Jl. Jend. Sudirman 218-220 Tebing Tinggi Tel : ( 0621) 24226, 24426 Fa x : ( 0621) 24175
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P. Sidempuan Jl. Merdeka No.22, Padang Sidempuan Tel : ( 0634) 22926, 22977 Fa x : ( 0634) 22979
Padang Sdm Jl. Jend. Sudirman No.40, Padang Tel : ( 0751) 32226 Fa x : ( 0751) 30605, 34062
Kisaran Jl. Imam Bonjol 178, Kisaran Tel : ( 0623) 44079 Fa x : ( 0623) 44059
P. Bundo Kandung Jl. Bundo Kandung No. 23 Padang Tel : ( 0751) 31585, 31587 Fa x : ( 0751) 22782
Rantau Prapat Jl. KH Ahmad Dahlan No.94 Rantau Prapat Tel : ( 0624) 24159, 24160, 24161 Fa x : ( 0624) 21068
Bukit Tinggi Jl. A. Yani No.116f, Bukit Tinggi, Tel : ( 0752) 35350 Fa x : ( 0752) 35351
Tj. Balai Jl. Cokroaminoto 48 A, Tj. Balai Asahan Tel : ( 0623) 93370, 95159, 95160 Fa x : ( 0623) 95158 Sibolga Jl. Imam Bonjol No.63, Sibolga Tel : ( 0631) 23826, 23926 Fa x : ( 0631) 24326 P. Siantar Jl. Sutomo No. 5 D/e Pem.siantar Tel : ( 0622) 29481, 29480 Fa x : ( 0622) 29482 Gn. Sitoli Jl. Diponegoro No.103a Gunung Sitoli Tel : ( 0639) 22925, 22926 Fa x : ( 0639) 22923 Banda Aceh Jl. Sri Ratu Safiatuddin No.54, Nanggroe Aceh Darussalam Tel : ( 0651) 31178, 31397 Fa x : ( 0651) 32802 Aceh Perdagangan Jl. Perdagangan No. Nanggroe Aceh Darussalam Lhokseumawe Jl. Perdagangan No. 47-49 Lhokseumawe Tel : ( 0645) 40104 Fa x : ( 0645) 43640 Langsa Jl. Teuku Umar No.114, Langsa Aceh Timur Tel : ( 0641) 21888, 23900 Fa x : ( 0641) 22732 Bireun Jl. Kolonel Husein Yusuf No. 1 Bireuen, Aceh Tel : ( 0644) 323081 Fa x : ( 0644) 323086 Takengon Jl. Terminal No. 515 Ds. Blang Kolak 1 Takengon, Aceh Tengah Tel : ( 0643) 21544, 21767 Fa x : ( 0643) 21354
Bukit Tinggi - Ps. Amur Komplek Pasar Koperasi Amur Jl. Padang - Bukit Tinggi Tel : ( 0752) 498354 Fa x : ( 0752) 498358 Payakumbuh Jl. Sukarno Hatta No.80, Payakumbuh Tel : ( 0752) 95771, 95772 Fa x : ( 0752) 95764 Pariaman Jl. Sultan Syahril Pariaman Tel : ( 0751) 92642, 92762 Fa x : ( 0751) 92732 Pekan Baru Sudirman Jl. Kh Wahid Hasyim No. 2 Pekanbaru, Riau Tel : ( 0761) 32626, 32601 Fa x : ( 0761) 46342, 32602 Ps. Bawah Jl. M. Yatim No. 38 Simpang Pasar Bawah, Pekanbaru - Riau Tel : ( 0761) 45859, 40310 Fa x : ( 0761) 40320 Pkn - Plz Sukaramai Jl. Jend.sudirman Psr. Sukaramai Lt.ii Blok N O. 5-6, Pekanbaru Tel : ( 0761) 857002, 857003 Fa x : ( 0761) 857005 Pekan Baru Yamin Jl. Prof. Yamin No. 19 B/C, Pekanbaru, Riau Tel : ( 0761) 25385-25386 Fa x : ( 0761) 25382 Batam Patah Jl. Raden Patah No.15A, Batam Tel : ( 0778) 451013, 451018 Fa x : ( 0778) 451012 Batam Nagoya Jl. Imam Bonjol Eks Bank Duta Building Nagoya, Batam Tel : ( 0778) 458400, 457444 Fa x : ( 0778) 458668 Dumai Jl. Sukajadi 81 A /b Dumai, Riau Tel : ( 0765) 35665, 35852 Fa x : ( 0765) 35682
Duri Jl. Jend. Sudirman No. 151-152 ,Duri Riau Tel : ( 0765) 596867, 596868 Fa x : ( 0765) 594548 Tanjung Pinang Jl. Pos No.3, Tanjung Pinang - Riau Tel : ( 0771) 27588, 24001, 24777, 24987 Fa x : ( 0771) 24234 Jambi Sutomo Jl. Dr. Sutomo No.21, Jambi Tel : ( 0741) 31626, 24455, 25929, 26255 Fa x : ( 0741) 26900 Jambi Kota Jl. Gatot Subroto Komplek Kota Indah AB/1, Jambi Tel : ( 0741) 20912, 22688 Fa x : ( 0741) 51933 Muara Bungo Jl. Lintas Sumatera Km 1 No.26, Muara Bungo, Jambi Tel : ( 0747) 322106, 322619 Fa x : ( 0747) 21148 Kuala Tungkal Jl. Kapten Darham No.5 Kel. Tungkal Iv Kota Kuala Tungkal Tel : ( 0742) 22447, 22450, 22449 Fa x : ( 0742) 22448 Bengkulu Jl. S. Parman No.35 - Bengkulu Tel : ( 0736) 20650, 20651, 20396 Fa x : ( 0736) 343259, 22614 Curup Jl. M. Hasan No.61 Curup Rejang Lebong - Bengkulu Tel : ( 0732) 21034, 21204, 24115 Fa x : ( 0732) 24116
Baturaja Jl. Akmal No.75, Batu Raja, Sumatera Selatan Tel : ( 0735) 321843, 320985, 320084 Fa x : ( 0735) 320657 Blitang Jl. Pasar Baru Gunawang BK 10 Belitang Tel : ( 0735) 450770, 450771, 450772 Fa x : ( 0735) 450769 Prabumulih Jl. Jend Sudirman No.102C Prabumulih Tel : ( 0713) 322555, 322666 Fa x : ( 0713) 322333 Muara Enim Jl. Liber ty Simanjuntak No.82 Muara Enim Tel : ( 0734) 422726, 422841, 422811 Fa x : ( 0734) 422725 Lahat Jl. Mayor Ruslan II No.29, Lahat Tel : ( 0731) 321703, 321489 Fa x : ( 0731) 321585 Pagar Alam Jl. Lettu Hamid No.88, Pagar Alam Tel : ( 0730 ) 623325, 621818 Fa x : ( 0730 ) 621738 P. Pinang Jl. Mesjid Jamik 27-31 Pangkalpinang, Bangka Tel : ( 0717) 422255, 423732 Fa x : ( 0717) 422006
Region 07
Kepahiang Jl. Santoso No.204 Kepahiang - Bengkulu Tel : ( 0732) 391043, 391045 Fa x : ( 0732) 391351
Solo - Sudirman Jl. Jend. Sudirman No. 5 Solo Surakar ta Tel : ( 0271) 661996 Fa x : ( 0271) 663359 - 60
Palembang Mesjid Lama Jl. Mesjid Lama No. 170 Palembang Tel : ( 0711) 310390, 313075, 312514 Fa x : ( 0711) 312822, 313076
Solo - Ps. Klewer Jl. Rajiman No. 18 Solo, Surakar ta Tel : ( 0271) 656896 Fa x : ( 0271) 644428
Lemabang Jl. RE Mar tadinata No.18, Lemabang Tel : ( 0711) 714363, 714362, 714364 Fa x : ( 0711) 716901
Solo - Kar tasura Komp. Ruko Kar tosuro Blok B No. 1 Solo, Sukoharjo Tel : ( 0271) 780707, 781747 Fa x : ( 0271) 781788
Palembang Sudirman Jl. Jend. Sudirman No. 440, Palembang Tel : ( 0711) 312606 Fa x : ( 0711) 310116 Lubuk Linggau Jl. Garuda No.12-13 Lubuk Linggau Sumsel, Musi Rawas Tel : ( 0733) 322097, 322098, 323354 Fa x : ( 0733) 322990
Solo - Nusukan Jl. Kapten Tendean No. 34 Solo Surakar ta Tel : ( 0271) 719492, 725533 - 43 Fa x : ( 0271) 714981 Karanganyar - Palur Jl. Raya Palur No. 307 Palur Solo, Sukoharjo Tel : ( 0271) 827350 - 1 Fa x : ( 0271) 827349
Klaten - Pemuda Jl. Pemuda Utara No. 135 Klaten Tel : ( 0272) 322911- 44 - 55 Fa x : ( 0272) 322811 Boyolali - Kates Jl. Kates Pulisen Ruko Blok A No. 1 Boyolali Tel : ( 0276) 322260 - 2 Fa x : ( 0276) 322262 Sragen - Sukowati Jl. Raya Sukowati No. 243 Sragen Tel : ( 0271) 892500 - 600 Fa x : ( 0271) 892400 Karanganyar - Lawu Jl. Raya Lawu No. 19 Karanganyar Tel : ( 0271) 494151 - 2 Fa x : ( 0271) 494153 Semarang - Pemuda Jl. Pemuda 175 Semarang Tel : ( 024) 3549401 Fa x : ( 024) 3564329 Semarang - MT. Har yono Jl. Mt. Har yono Bubakan Baru A /5-6, Semarang Tel : ( 024) 3558423 Fa x : ( 024) 3558427 Semarang - Bangkong Jl. Mataram Komp. Bangkong Pla za C-2, Semarang Tel : ( 024) 8311680 - 2 Fa x : ( 024) 8311684 Semarang - Gg. Tengah Jl. Gg Tengah No. 77 Semarang Tel : ( 024) 3544062 Fa x : ( 024) 3542847 Semarang - Puri Anjasmoro Jl. Puri Anjasmoro GI 36 Semarang Tel : ( 024) 7613347 - 9 Fa x : ( 024) 7613365 Semarang - Majapahit Ruko Gayamsari Blok A-3 Semarang Tel : ( 024) 6724185 - 6 Fa x : ( 024) 6719777 Semarang - Aloen-aloen Jl. Aloon-aloon Selatan No. 2 Semarang Tel : ( 024) 3548361 Fa x : ( 024) 3549365 Semarang - Kaligawe Jl. Raya Kaligawe Km. 5 No. 26 Semarang Tel : ( 024) 6581670 Fa x : ( 024) 6580753 Semarang - Banyumanik Jl. Setiabudi G-62 Semarang, Surakar ta Tel : ( 024) 7470739 - 40, 7461645, 7461689 Fa x : ( 024) 7470594
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Semarang - Citraland Jl. Anggrek Raya Kav. 23-25 Semarang Tel : ( 024) 8318885 Fa x : ( 024) 8411212
Pur woker to - Sudirman Jl. Jend. Sudirman 183 Pur woker to, Banyumas Tel : ( 0281) 631200 Fa x : ( 0281) 636724
Semarang - Sultan Agung Ruko Jl Sultan Agung No.3 Semarang Tel : ( 024) 8312525, 8310745 Fa x : ( 024) 8310736
Pur woker to - D.I. Panjaitan Jl. D.i. Panjaitan No. 9 Pur woker to, Banyumas Tel : ( 0281) 632098, 638291 Fa x : ( 0281) 632097
Salatiga - Sudirman Jl. Jend. Sudirman No. 170 Salatiga Semarang Tel : ( 0298) 325950 - 1 Fa x : ( 0298) 325951
Wangon - Kios Pasar Jl. Raya Utara, Komp. Ruko No. 5 Wangon, Banyumas Tel : ( 0281) 634930 Fa x : ( 0281) 634920
Kudus - A . Yani Jl. A. Yani No. 77 Kudus Tel : ( 0291) 436531 - 2 Fa x : ( 0291) 432990 - 660
Purbalingga - Sudirman Jl. Jend. Sudirman 111 Purbalingga Tel : ( 0281) 891421 Fa x : ( 0281) 891467
Pati - Pemuda Jl. Pemuda No. 239-c Pati Tel : ( 0295) 384204 - 5 Fa x : ( 0295) 384203
Cilacap - Sudirman Jl. Jend. Sudirman 21 Cilacap Tel : ( 0282) 535941 - 3 Fa x : ( 0282) 535155
Pati - Tayu Jl. Kar tini No. 14 Tayu, Pati Tel : ( 0295) 452067 Fa x : ( 0295) 452067
Majenang - Diponegoro Jl. Raya Diponegoro 315 Majenang, Cilacap Tel : ( 0280 ) 621230 - 630 Fa x : ( 0280 ) 62166
Juwana - Silugonggong Jl. Silugonggo No. 12-b Juwana, Pati Tel : ( 0295) 472167 - 8 Fa x : ( 0295) 472168 Jepara - Patimura Jl. Patimura Blok A-2, Jepara Tel : ( 0291) 593766 - 7 Fa x : ( 0291) 592340 Demak - Sultan Patah Jl. Sultan Patah No. 25 Demak Tel : ( 0291) 685475 Fa x : ( 0291) 685475 Pur wodadi - A . Yani Jl. R. Suprapto No. 66 Pur wodadi, Grobogan Tel : ( 0292) 422242, 422464 Fa x : ( 0292) 421237 Blora - Gatot Subroto Jl. Aloon-aloon Selatan No. 1 Blora Tel : ( 0296) 533219 – 20 Fa x : ( 0296) 533221 Cepu - Diponegoro Jl. Diponegoro No. 14 Cepu, Blora Tel : ( 0296) 423991 - 2 Fa x : ( 0296) 421901 Wonosobo - Giri Indah Jl. Sumbing No. 22 Wonosobo Tel : ( 0286) 323587 - 8 Fa x : ( 0286) 323589
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Tegal - Sudirman Jl. Sudirman No. 11-A,Tegal Tel : ( 0283) 358961 Fa x : ( 0283) 353252 Tegal - Banjaran Jl. Raya Banjaran No. 14 Adiwerna, Tegal Tel : ( 0283) 443980 - 1, 444603 Fa x : ( 0283) 443982 Jatibarang - Ry. Barat Jl. Raya Barat No. 52 Jatibarang Tegal, Brebes Tel : ( 0283) 672902 Fa x : ( 0283) 321324 Pemalang - Sudirman Jl. Jend. Sudirman Ruko No. 9 Pemalang Tel : ( 0284) 322787 - 636 - 186 Fa x : ( 0284) 323163 Pekalongan - H. Wuruk Jl. Hayam Wuruk No. 11-A Pekalongan Tel : ( 0285) 428000 Fa x : ( 0285) 421634 Magelang - Pemuda Jl. Pemuda 149 Magelang Tel : ( 0293) 366234 Fa x : ( 0293) 366239 Muntilan - Ruko PJK A Jl Pemuda Ruko PJK A No. A-5 Muntilan, Magelang Tel : ( 0293) 587393 Fa x : ( 0293) 586405
Banjarnegara - Veteran Jl. Veteran No. 82 Banjarnegara Tel : ( 0286) 592454 - 5 Fa x : ( 0286) 592456 Pur worejo - Veteran Jl. Veteran No. 60 Pur worejo Tel : ( 0275) 321816, 322962- 3 Fa x : ( 0275) 323804 Kutoarjo - Diponegoro Jl. Diponegoro No. 64 Kutoarjo, Pur worejo Tel : ( 0275) 641535, 641539 Fa x : ( 0275) 641389 Temanggung - Sugiono Jl. Tentara Pelajar No.6 Temanggung Tel : ( 0293) 493289 - 290 Fa x : ( 0293) 493420 Parakan - Diponegoro Jl. P. Diponegoro 129 Parakan, Temanggung Tel : ( 0293) 597390 - 1 Fa x : ( 0293) 596878 Ungaran - Gatsu Jl. Gatot Subroto No. 156 Semarang Tel : ( 024) 6924320 - 1 Fa x : ( 024) 6921147 Batang - Sudirman Jl. Jend. Sudirman No. 164 Batang Tel : ( 0285) 392021 Fa x : ( 0285) 392494 Kebumen - Kesuma Jl. Ahmad Yani Kebumen Tel : ( 0287) 382121 Fa x : ( 0287) 383265 Gombong - Yos Sudarso Jl. Yos Sudarso Barat 456 Gombong, Kebumen Tel : ( 0287) 472187 - 8 Fa x : ( 0287) 471282 Kendal - Raya Jl. Raya No. 283, Kendal Tel : ( 0294) 383014 - 5 Fa x : ( 0294) 382791 Weleri - Raya Utama Jl. Raya Utama Tengah No. 141 Weleri, Kendal Tel : ( 0294) 641648 Fa x : ( 0294) 641437 Rembang - Kar tini Jl. Kar tini No. 23 Rembang Tel : ( 0295) 692888 - 773 - 900 Fa x : ( 0295) 692777 Yogyakar ta - Diponegoro Jl. P. Diponegoro 97 Yogyakar ta Tel : ( 0274) 565053 Fa x : ( 0274) 565033, 520109 Yogyakar ta - Urip S. Jl. Urip Sumoharjo 123 Yogyakar ta Tel : ( 0274) 560447 - 8 Fa x : ( 0274) 584995
Yogyakar ta - Gondomanan Jl. Brigjen Katamso 190 Yogyakar ta Tel : ( 0274) 380141, 387683 Fa x : ( 0274) 387737 Yogyakar ta - Kaliurang Jl. Kaliurang Km.5 No. 99-a, Yogyakar ta, Sleman Tel : ( 0274) 552550 Fa x : ( 0274) 886249 Yogyakar ta - Wates Jl. Wates Kadipiro 25 Yogyakar ta, Bantul Tel : ( 0274) 415781 - 2 Fa x : ( 0274) 373613
Syariah Branches Jakar ta - Ciracas Jl. Raya Bogor No. 2 Jakar ta Timur Tel : ( 021) 87794753 Fa x : ( 021) 87794363 Jakar ta - Tanah Abang Jl. K. Fachruddin 36 Blok A No. 56-57 Jakar ta Pusat Bekasi - Juanda Jl. Ir. H. Juanda No. 159 Bekasi Cikampek Jl. Raya Terminal No. 149 Cikampek Sidoarjo Jl. Majapahit No. 18 C Sidoarjo Tel : ( 031) 8941007 Fa x : ( 031) 8928716 Makassar Psr. Grosir Pasar Butung Jl. Sulawesi Ruko S-1, Makassar Tel : ( 0411) 323107 Fa x : ( 0411) 310322 Mar tapura Jl. Jend. A. Yani No. 6 Km. 40 Mar tapura Tel : ( 0511) 720517 Fa x : ( 0511) 721075 Banda Aceh Jl. T. Chik Pante Kulu No. 51 Banda Aceh Tel : ( 0651) 22980 Fa x : ( 0651) 26518 Bukit tinggi Jl. By Pass No. 1-2 Aur Kuning Bukittinggi Tel : ( 0752) 627394 Fa x : ( 0752) 624444 Solo Ruko Beteng Pla za Blok C No. 4 Solo Tel : ( 0271) 653855 Fa x : ( 0271) 655832
PGB Branches Menara Danamon Jl. Prof Dr. Satrio Kav. E 4 No. 6 Mega Kuningan Tel : ( 021) 57991001-3 E x t 8025, 57991169 Fa x : ( 021) 57991457 Kelapa Gading Jl. Boulevard Barat Blok XB No. 8 Kelapa Gading Tel : ( 021) 4534039, 4516415 Fa x : ( 021) 4516413 Pondok Indah Komplek Metro Duta Niaga Blok BA No.47 Pondok Indah Tel : ( 021) 7662177 E x t 103, 7507244 Fa x : ( 021) 75900548 Pantai Indah Kapuk Rukan Galeri Mediterania I, Jl. Mediterania Blok A No. 8 AM - 8 AN Pantai Indah Kapuk Tel : ( 021) 5884511, 5883770 Fa x : ( 021) 5883771 Bandung Juanda Jl. Ir Juanda No 64 Tel : ( 022) 4219615, 4219616 Fa x : ( 022) 4211946 Surabaya-Dipo Jl. Diponegoro No. 31 Tel : ( 031) 5651088,05651077 Fa x : ( 031) 5663778 Makassar Jl. Slamet Riyadi No.1 Tel : ( 0411) 334177, 318012 Fa x : ( 0411) 318125 Balikpapan - Sudirman Jl. Jendral Sudirman No. 54 Tel : ( 0542) 733134 E x t 121, 732915 Fa x : ( 0542) 730905 Medan - Diponegoro Jl. Diponegoro No. 35 Tel : ( 061) 4552000 E x t 3060, 4527732 Fa x : ( 061) 4526936 Semarang - Pemuda Jl. Pemuda No. 175 Tel : ( 024) 3549401 E x t 104, 3522456 Fa x : ( 024) 3563035
Tangerang - Daan Mogot Jl. Daan Mogot No. 48 Tangerang 15111 Tel : ( 021) 5525570, 5520781 - 52 Jakar ta - Tebet Jl. Prof. Dr. Supomo No. 55 Tebet, Jakar ta Tel : ( 021) 8350387 - 89 Fa x : ( 021) 8353110 Depok - Margonda Ruko 99 Margonda Raya No. 99, Depok Tel : ( 021) 77201222, 333 Fa x : ( 021) 77201444 Jakar ta - Warung Buncit Jl. Raya Warung Buncit No. 107, Jakar ta Tel : ( 021) 7982067 Jakar ta - Kalibata Jl. Kalibata Tengah Blok I F-G Pasar Minggu, Jakar ta Tel : ( 021) 7989237 - 39 Jakar ta - Bendungan Hilir Jl. Bendungan Hilir No. 21, Jakar ta Tel : ( 021) 5707844, 572172 - 6 Jakar ta - Palmerah Jl. Palmerah Barat No. 38 A Blok 5-6, Jakar ta Tel : ( 021) 5304949 - 51 Bogor - Warung Jambu Jl. Raya Pajajaran, Komp. Ruko Warung Jambu, Bogor Tel : ( 0251) 322224, 323843 Jawa Barat - Cibinong Jl. Raya Cibinong Km. 42, Cibinong Tel : ( 021) 8756134 - 35 Fa x : ( 021) 87904773 Jawa Barat - Kosambi Karawang Jl. Raya Kosambi Karawang Tel : ( 0267) 409179, 80 Fa x : ( 0267) 412412 Jawa Barat - Jababeka Cikarang Jl. Jababeka Raya Komp. Ruko Jababeka Tel : ( 021) 8902207, 8901274 Fa x : ( 021) 89107303
DSP CMM Branches
Jakar ta - Enggano Jl. Enggano No. 26 Tanjung Priok, Jakar ta Tel : ( 021) 4305101 - 04
Bekasi - Grand Mall Grand Mall Bekasi Blok C 9-10 Jl. Jend. Sudirman, Bekasi Tel : ( 021) 88956512 Fa x : ( 021) 8840877
Cibitung - Cibitung Jl. Teuku Umar Raya No.24, Cibitung, Bekasi Tel : ( 021) 88321113 Fa x : ( 021) 88321115
Bekasi - Juanda Jl. Ir. H. Juanda No. 159, Bekasi Tel : ( 021) 8812260, 8808532 Fa x : ( 021) 8808537
Jakar ta - Dewi Sar tika Jl. Dewi Sar tika No.5b Cawang, Jakar ta 13640 Tel : ( 021) 8004975 - 77
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Jakar ta - Ragunan Jl. Raya Ragunan, Ruko B No.10 P, Pasar Minggu, Jakar ta Tel : ( 021) 7814924 - 25 Fa x : ( 021) 7814922 Tangerang - Alam Sutera Jl. Sutra Niaga I No.17, Perumahan Alam Sutra, Tangerang Tel : ( 021) 5398327 - 30 Tangerang - Taman Cibodas Jl. Gatot Subroto Ruko Blok A No.16, Cibodas, Tangerang Tel : ( 021) 5528430, 5528476 - 77 Fa x : ( 021) 5527429 Jakar ta - Wir yopranoto Jl. Sukarjo Wir yopranoto No.63 Jakar ta Tel : ( 021) 2601521 - 22 Fa x : ( 021) 2601516 Garut - Cikurat Jl. Cikuray No. 38, Garut Tel : ( 0262) 243677 Fa x : ( 022) 541035 Bandung - Hos Cokroaminoto Jl. Hos Cokroaminoto No. 237 Sukajadi, Bandung Tel : ( 022) 2040460 Fa x : ( 022) 2040460 Cimahi - Leuwigajah Jl. Leuwigajah No.20 B Cimahi Jawa Barat Tel : ( 022) 6614181 Fa x : ( 022) 6614181 Pur wakar ta - Sudirman Jl. Sudirman No 61 Pur wakar ta Jawa Barat Tel : ( 0264) 232160 Fa x : ( 0264) 232159 Bandung - Ahmad Yani Jl.ahmad Yani 638 Bandung Jawa Barat Tel : ( 022) 7200010-12 Fa x : ( 022) 7208493 Bandung - Kopo Sayati Komp Taman Kopo Indah Ruko 2&4 Bandung Tel : ( 022) 5407163, 65, 67 Fa x : ( 022) 5407166 Bandung - Buah Batu Jl.buah Batu 166, Bandung Tel : ( 022) 7300217 Fa x : ( 022) 7312988 Bandung - Banjaran Jl. Raya Banjaran No. 256, Bandung Tel : ( 022) 5941472, 5941473 Fa x : ( 022) 5941474 Bandung - Ujung Berung Jl. Raya Ujung Berung 217 Bandung Tel : ( 022) 7809717-8 Fa x : ( 022) 7832050
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Bandung - Kiara Condong Jl. Kiaracondong No 218 Bandung Tel : ( 022) 7331315; 7331416 Fa x : ( 022) 7331413
Makassar - A . Yani Jl. A. Yani No. 11, Makasar Tel : ( 0411) 3655123 Fa x : ( 0411) 312776
Surabaya - Jemur Handayani Jl. Jemur Andayani 179 Rungkut, Surabaya Tel : ( 031) 8479712
Makassar - Cendrawasih Jl. Cendrawasih No. 240, Makasar Tel : ( 0411) 851578 Fa x : ( 0411) 851616
Gresik - Usman Sadar Jl. Usman Sadar 147 Gresik Tel : ( 031) 3990061 - 63 Fa x : ( 031) 3990063 Kediri - Doho Jl. Doho 158 Kediri Tel : ( 0354) 672560 Fa x : ( 0354) 672561 Sidoarjo - K .H. Mukmin Jl. Kh. Mukmin No. B 7, Sidoarjo Tel : ( 031) 8958468 Fa x : ( 031) 8958474 Surabaya - Manukan Wetan Jl. Manukan Wetan 52 Surabaya Tel : ( 031) 7410280 - 49 Fa x : ( 031) 7410367 Surabaya - Rajawali Jl. Rajawali 51 B Pabean, Surabaya Tel : ( 031) - 3534461 - 62 Sidoarjo - Krian Ruko Krian Permai Blok A12 Sidoarjo Tel : ( 031) 8972152, 8970089 Fa x : ( 031) 8972155 Malang - Ade Irma Sur yani Per tokoan Sur yani Indah Blok B 7-8 Malang Tel : ( 0341) 348671 - 72 Fa x : ( 0341) 348674 Surabaya - Embong Malang Jl. Embong Malang 67 B Tegalsari Surabaya Tel : ( 031) 5460028, 5329781 Fa x : ( 031) 5329780 Surabaya - Kapas Krampung Jl. Kapas Krampung 106 Tambaksari Surabaya Tel : ( 031) 5032209, 5022205 Fa x : ( 031) 5032203 Makassar - Toddopuli Jl. Tp Raya Utara D5/17 Toddopuli Makasar Tel : ( 0411) 420199 Fa x : ( 0411) 420266 Makassar - Veteran Jl. Veteran Selatan 45 D, Rappocini Makasar Tel : ( 0411) 832051 Fa x : ( 0411) 832086 Makassar - Pongtiku Jl. Pongtiku 38 Makasar Tel : ( 0411) 420277, 420278 Fa x : ( 0411) 420279
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DSP SEMM Branches Ps. Ciputat Ruko Plz Ciputat Blok D No. 39 Jl. Raya Dewi Sar tika Kab. Tangerang, Banten Ps. Anyar – Tangerang Jl. Pasar Anyar Utara No. 37 A Ps. Parung Panjang Komplek Per tokoan Terminal Parung Panjang Lt. 2 Tangerang, Banten
Ps. Kebayoran Lama Jl. Raya Kebayoran Lama No. 178 A Kebayoran Lama, Jakar ta Selatan Ps. Tebet Jl. Tebet Timur Dalam Raya No.62 Tebet, Jakar ta Selatan Ps. Rumput Pusat Per tokoan Pasar Rumput No. 11 Jl. Sultan Agung Manggarai Jakar ta Selatan
Ps. Serpong Jl. Raya Serpong Km 21 Serpong Kab. Tangerang, Banten
Ps. Agung - Depok Pasar Agung Depok Lt.2 Jl. Proklamasi No. 5-6 Depok Ii Timur Depok
Ps. Pandeglang Jl. Yusuf Mar tadinata No.5 Pandeglang, Banten
Ps. Blok A Jl. Rumah Sakit Fatmawati No.7 Rt. 008/01 Kebayoran Baru, Jakar ta Selatan
Ps. Rau Serang Jl. Semaun Bakri No.6 Serang, Banten
Ps. Melawai Pasar Melawai, Blok A, Lt 01 No. 27,29,31,33,35 Kebayoran Baru, Jakar ta Selatan
Ps. Ciledug Pla za Baru Ciledug, Lt Dsr Blok B1 No. 01-03-09 Jl. Hos Cokroaminoto No. 1, Ciledug Kodya Tangerang Banten Ps. Baru - Bogor Jl. Otista Raya No. 4 Bogor Ps. Leuwiliang Jl. Lingkar Pasar Leuwiliang No. 4 Kampung Sapta Marga RtT 01 RW 03 Ps. Leuwiliang Ps. Anyar - Bogor Ps. Anyar Blok A Lt. 1 No. 9 - 10 Bogor Ps. Cibinong Jl. Mayor Oking Jaya No.507 Cibinong Ps. Cicurug Jl. Siliwangi Ruko No.3 Kampung Kongsi Kel. Cicurug Kab Sukabumi Ps. Kopro Tomang Barat Jl. Raya Tanjung Duren, Tomang Jakar ta Barat Ps. Grogol BDI Grogol Jl. Raya Dr Muwardi 2 Grogol, Jakar ta Barat Ps. Cengkareng Jl. Bangun Nusa, Cengkareng Jakar ta Barat Ps. Senen Bdi Senen Proyek Senen Blok V Jl. Stasiun Senen Jakar ta Pusat Ps. Kawi-Kawi Sentiong Jl. Percetakan Negara I Kel Johar Baru Jakpus Ps. Minggu Jl. Terminal Baru No.38 A Pasar Minggu, Jakar ta Selatan
Ps. Cibitung Jl. Teuku Umar Raya Ruko Ps Induk Cibitung No.3 Cibitung, Bekasi Ps. Rengasdengklok Jl. Raya Rengasdengklok No. 65 Karawang Ps. Rebo Pur wakar ta Jl. Kapten Halim No. 84 / 90 Ps Rebo Pur wakar ta Ps. Pondok Gede Jl. Pondok Gede Raya Komplek Ruko Permata Blok A /7 Pondok Gede, Bekasi Ps. Jatiasih Psr Jati Asih Jl. Jati Asih No. 1 Jati Asih, Bekasi Ps. Padalarang Jl. Raya Padalarang No. 639 Ps. Cianjur Jl. Guru Haji Isya No. 17
Ps. Citayam - Depok Jl. Psr Rebo No.14b Kampung Psr Rebo Rt 02 Rw 11 Bojong Pondok Terong Pancoran Mas Depok, Jawa Barat
Ps. Lembang Jl. Pasar Baru No. 3 Lembang
Ps. Klender Jl. Raya Bekasi Timur Km 17 Klender Jakar ta Timur
Ps. Ciranjang Jl. Jati No.32 Ciranjang, Cianjur Jawa Barat
Ps. Koja Jl. Kramat Jaya No. 15 Koja, Jakar ta Utara
Ps. Pamanukan Jl. Ps Inpres Baru Blok B No.5 Pamanukan, Jawa Barat
Ps. Pademangan - Jakut Ps Pademangan Timur Lt Dasar Blok Bks - 137 Jakar ta Utara
Ps. Astana Anyar Jl. Pandjunan No. 32 Bandung
Ps. Caringin Jl. Soekarno Hatta Psr Induk Caringin Blok B1 No.11 Bandung
Ps. Rawa Badak Lt. 1 Blok A Lo1 Aks 006 Rawabadak Jakar ta Utara
Ps. Suci Jl. Suci (Surapati) No.143, Bandung
Ps. Rawamangun Bdi Rawamangun Jl. Pegambiran No. 3 Rawamangun, Jakar ta Timur
Ps. Antri Cimahi Jl. Sriwijaya 65 Eks Lap Bola Ruko No.9 Cimahi, Bandung
Ps. Johar - Karawang Jl. Raya Tuparev No. 440, Pasar Johar Karawang
Ps. Cijerah Jl. Raya Cijerah 217 / 275 - 13 Bandung
Ps. Cikarang Jl. Re Mar tadinata No. A3 Cikarang
Ps. Sederhana Jl. Sukamaju 42 Ruko Bandung Jawa Barat
Ps. Cikampek Jl. Raya Terminal No. 149 Cikampek
Ps. Banjaran - Bandung Timur Jl. Raya Banjaran, Bandung
Bekasi Juanda ( IMM ) Jl. Ir. Juanda No. 159 Bekasi
Ps. Soreang Jl. Raya Soreang Banjaran Kab. Bandung
Ps. Tambun Jl. Sultan Hasanudain No. 185 Tambun Bekasi Ps. Kranji Jl. Fajar Niaga Blok B1 No. 30 Ps Kranji Bekasi
Ps. Ciawitali Garut Jl. Guntur Kencana No. 100 Kab. Garut, Jawa Barat Ps. Majalaya Jl. Penjagalan Majalaya Kab. Bandung, Jawa Barat
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Ps. Baru Banjar Jl Kehutanan No. 18 Banjar Jawa Barat Ps. Sumedang Jl. 11 April No. 18 A Blok Tegal Kalong, Kel. Kota Kaler Kab. Sumedang, Jawa Barat Ps. Manis Ciamis Komplek Ruko Pasar Manis No. 8 Kabupaten Ciamis Ps. Pangandaran Ps. Pangandaran Kios Blok D No.30 & 31 Pangandaran Ciamis, Jawa Barat Ps. Cicadas Kiara Condong Jl. Kiaracondong No.36 Bandung Jawa Barat Ps. Cikajang Garut Jl. Raya Cikajang, Kp. Sukadana Kec. Cikajang Kab. Garut, Bandung Ps. Plered - Cirebon Jl. Raya Plered No.138 Rt 02 Rw 06 Ds. Weru Kidul Kec. Weru, Cirebon Jawa Barat Ps. Kadipaten Majalengka Jl. Pasar Kadipaten Ruko Blok C-11 & 12 Kec. Kadipaten Kab. Majalengka Ps. Kepu Kuningan Pasar Kepuh Blok W1, 2, 3 Jl. Kepuh, Kuningan, Jawa Barat Ps. Jatibarang - Cirebon Jl. Mayor Sangun No.28, Jatibarang, Kab. Indramayu, Jawa Barat Ps. Pelabuhan Ratu Jl. Siliwangi Tempat Pelelangan Ikan Kel. Pelabuhan Ratu, Kec Pel Ratu Sukabumi Ps. Cibadak Jl. Sur ya Kencana Blok C No. 10 Cibadak, Sukabumi, Jawa Barat Ps. Induk Pelita - Sukabumi Jl. Pasar No. 71 D Sukabumi Jawa Barat
Ps. Klungkung Ps Klungkung Jl. Diponegoro No. 21 Klungkung Semarapura, Bali Ps. Tabanan Ps Tabanan Jl. Gajah Mada No. 26 Tabanan Bali Ps. Singaraja Ps Singaraja Jl. Diponegoro No. 44 Singaraja Bali Ps. Negara Jl. Ngurah Rai No. 41 Negara, Bali Ps. Seririt Singaraja Jl. A Yani No. 12 Siririt Singaraja, Bali Ps. Babat Lamongan Jl. Raya Babat 256/3 Babat Lamongan Jawa Timur Ps. Besar Gresik Jl. Gub Sur yo, Komplek Multi Sarana Pla za Blok B-15 Gresik, Jawa Timur Ps. Tuban Jl. Gajah Mada No. 3 Tuban, Jawa Timur Ps. Bojonegoro Jl. Mastrip No. 12 Bojonegoro, Jawa Tumur Ps. Lamongan Jl. A Yani No. 51 Lamongan, Jawa Timur Ps. Tanjung Jl. H Syamanhudi No. 120 Jember Jawa Timur Ps. Kencong Jl. Raya Kencong No.1 Kencong Jember Jawa Timur Ps. Ambulu Jl. Diponegoro No. 19 Ambulu Jember Jawa Timur
Ps. Cipanas Jl. Pahlawan (Samping Terminal Cipanas)
Ps. Kalisat Jl. Pasar Kalisat Blok Bt No. 5 Kalisat Jember Jawa Timur
Ps. Cisaat Jl. Cikiray 6 Cisaat Sukabumi Jawa Barat
Ps. Bondowoso Jl. Teuku Umar No. 15 Bondowoso Jawa Timur
Ps. Sukawati Ps Sukawati Jl. Raya Sukawati Gianyar, Bali
Ps. Banyuwangi Jl. Blambangan Pasar Besar Induk Banyuwangi Toko No. 63 Banyuwangi Jawa Timur
Ps. Tegalalang Ps Tegallalang Jl. Raya Tegalalang Gianyar, Bali Ps. Kreneng Ps Kreneng Jl. Rijasa No. 11 Denpasar, Bali Ps. Gianyar Ps Gianyar Jl. Berata No. 15 Gianyar, Bali
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Ps. Badung Ps Badung Lt.ii No.11,12 & 16 Jl. Sulawesi No. 1 Denpasar Bali
Ps. Jajag Jl. Yos Sudarso No. 54 Jajag Banyuwangi Jawa Timur Ps. Warujayeng Jl. A. Yani No. 67 Warujayeng, Nganjuk Jawa Timur
Ps. Pare Jl. Pasar Besar No. 32 Pare, Kediri Jawa Timur Ps. Nganjuk Jl. A Yani No. 182 Nganjuk Jawa Timur Ps. Setono Betek Jl. Cokroaminoto No. 41kediri Jawa Timur Ps. Ker tosono Jl. K.h. Wakhid Hasyim No. 48 Ker tosono, Jawa Timur Ps. Wates - Kediri Jl. Raya Tawang No. 72 Wates Kediri Jawa Timur Ps. Besar - Madiun Jl. P Sudirman No. 125 Madiun Jawa Timur Ps. Ponorogo Jl. Soekarno Hatta Lt. II Stand Pasar Legi Selatan No. AD 4 & AD 5 Ponorogo Jawa Timur Ps. Caruban Jl. Ahmad Yani No.42 Caruban Jawa Timur Ps. Ngawi Jl. Sultan Agung Kios Ps Ngawi Blok A 7-8, A 45-46 Ngawi, Jawa Timur Ps. Magetan Jl. A Yani No. 7 Magetan, Jawa Timur Ps. Besar - Malang Jl. Kopral Usman 43 Malang Jawa Timur Ps. Lawang Jl. Thamrin Ps Baru Kios Aa2 Lawang, Malang, Jawa Timur Ps. Singosari Jl. Panglima Sudirman Singosari Malang, Jawa Timur Ps. Kepanjen Jl. Teuku Umar No.14 Kepanjen Malang, Jawa Timur Ps. Batu Jl. Dewi Sar tika Pasar Iii /11-12 Batu Malang, Jawa Timur Ps. Mojoker to Jl. Residen Pamuji Tg No. 12 Komplek Pasar Tunjung, Mojoker to Jawa Timur Ps. Mojosari Jl. Pemuda Pasar Raya Mojosari Blok Aa1 & Aa11 Mojosari, Mojoker to Jawa Timur
Ps. Krian Jl. Raya Basuki Rahmat No. 420 Krian Sidoarjo Ps. Ploso Jombang Jl. Raya Ploso Babat Komplek Ps Ploso Blok Ai No.5 Jombang, Jawa Timur Ps. Jombang Jl. A Yani Komp. Ruko Ps Citra Niaga Blok E-5 Jombang, Jawa Timur Ps. Bangil Jl. Mangga No.621, Bangil, Pasuruan Jawa Timur Ps. Pandaan Jl. Urip Sumoharjo No. 30, Pandaan, Pasuruan, Jawa Timur Ps. Probolinggo Jl. Cut Nyak Din No. 27 Probolinggo Jawa Timur Ps. Pasuruan Jl. Sukarno Hatta No.16 Pasuruan Ps. Larangan Sidoarjo Jl Sunandar Priyo Sudarmo Bb 31 Pasar Larangan Sidoarjo Jawa Timur Ps. Taman Sepanjang Jl Raya Stasiun Sepanjang 1 Pasar Taman Sepanjang Blok H No. 8A-B Sidoarjo Jawa Timur Ps. Turi Jl. Raya Pasar Turi Pasar Turi Blok Q, Tahap 1, Surabaya, Jawa Timur Ps. Wadungasri Jl. Raya Wadungsari No. 177 Blok C-8 Wadungsari, Sidoarjo, Jawa Timur Ps. Gedangan Jl. A Yani No.91 Gedangan Sidoarjo Jawa Timur Ps. Porong Jl. Raya Porong No.162 Porong Sidoarjo, Jawa Timur Ps. Rungkut Jl. Raya Rungkut No.27 Blok D-38 Per tokoan Rungkut Makmur Surabaya Jawa Timur
Ps. Besar – Blitar Jl. Kerantil No. 26 Blitar Jawa Timur Ps. Trenggalek Jl. P Sudirman No. 44 Trenggalek Jawa Timur Ps. Besar - Tulungagung Jl. Wr Supratman Ps Wage Lt. Atas No. A-22, A-23, A-24 Tulungagung Ps. Sie Kambing Jl. Jend Gatot Subroto No.148 Kel. Sei Sikambing C, Kec. Medan Helvetia Ps. Simpang Limun Medan Jl. S.m. Raja Km 4.5 No. 351 Kel. Siti Rejo III Kec. Medan Amplas Ps. Kebumen Jl. Kolopaking No. 35 Kebumen Jawa Tengah Ps. Wonokriyo Gombong Jl. Yos Sudarso Ps. Wonokriyo Blok A.7 & 8 Gombong, Jawa Tengah Ps. Bobotsari Jl Kol. Soegiri No.33 Kec. Bobotsari Kab. Purbalingga, Jawa Tengah
Ps. Jember – Kudus Jl. Sunan Kudus No.182 Kudus, Jawa Tengah Ps. Baledono Pur worejo Ps Baledono Blok A No. 3 Pur worejo Jawa Tengah Ps. Rejowinangun Magelang Ps Rejowinangun Kios 21, 22, 23, Magelang, Jawa Tengah Ps. Muntilan Jl. Kh Dalhar 206 / Kios La No.4 Muka Pasar Muntilan, Jawa Tengah Ps. Wonosobo Ruko Giri Indah Jl. Resimen 18 No. 9 Wonosobo, Jawa Tengah Ps. Wiradesa - Pekalongan Jl. Raya Wiradesa No. 30 Pekalongan, Jawa Tengah Ps. Batang Jl.petodanan No.12 Batang Jawa Tengah Ps. Comal Jl. Gatot Subroto No. 372 Comal Jawa Tengah
Ps. Banjarnegara Kios Pasar No.3 Ps Banjarnegara Jl Veteran, Kab Banjarnegara Banjarnegara Jawa Tengah
Ps. Kedungwuni Jl. Capgawen No. 14 Kedungwuni Kab. Pekalongan Jawa Tengah
Ps. Klampok Jl. A Yani, Kios Pasar Pur worejo Klampok No. 1 & 2
Ps. Kajen Komplek Pasar Kajen Pekalongan Jawa Tengah
Ps. Kliwon Kudus Ps Kliwon Lt 1 / Ii Blok B Kudus, Jawa Tengah
Ps. Banjarsari - Pekalongan Komplek Ruko Banjarsari Blok A No.14-16, Jl. Sultan Agung Pekalongan, Jawa Tengah
Ps. Jepara Jl. Pati Unus Pasar Kota Jepara Ruko No.14 Jepara, Jawa Tengah Ps. Juwana Jl. Sunan Ngerang No. 38 (Per tokoan No.3) Kec Juwana Kab.pati, Jawa Tengah Ps. Pati Jl. Rogowongso No. 43 Kab Pati Jawa Tengah Ps. Pecangaan Jl. Raya Pecangaan, Ds. Pecangaan Kab. Jepara, Jawa Tengah
Ps. Wage Ps Wage Blok G.15-g.16 Pur woker to, Jawa Tengah Ps. Ajibarang Jl Pancasan Pasar Ajibarang Blok A111, A112, A164 Ajibarang Jawa Terang Ps. Sampang Jl. Raya Tugu Barat No.63 Pasar Sampang Kec. Sampang Kab. Cilacap Jawa Tengah
Ps. Jekulo Kantor Kelurahan Ds Jekulo, Kec. Jekulo Kab. Kudus, Jawa Tengah
Ps. Bumiayu Jl Raya Bumiayu No. 2 Pasar Bumiayu Kec. Bumiayu Kab. Brebes Jawa Tengah
Ps. Lodoyo Jl. Muria Alun-alun Blitar, Jawa Timur
Ps. Bitingan Komplek Pasar Bitingan Blok A5-a6, Lantai 1 Kab Kudus, Jawa Tengah
Ps. Karang Lewas Jl. Pattimura Kios No.7 Pasar Karang Lewas Kec. Karang Lewas Kab. Banyumas Jawa Tengah
Ps. Ngunut Jl. Raya Ngunut No. 32 Ngunut, Tulungagung
Ps. Bangsri Kios Pasar Bangsri Blok A No.9-10 Kec. Bangsri, Kab. Jepara, Jawa Tengah
Ps. Wangon Jl. Raya Wangon Utara Kios Pasar Wangon No. 5 Pur woker to, Jawa Tengah
Ps. Tanggulangin Jl. Raya Kludan Rt.01 Rw.03 Tanggulangin Sidoarjo Jawa Timur
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Ps. Rembang Ps Rembang Jl. Kar tini 93 Rembang Jawa Tengah
Ps. Kar tasura Blumbangsari 78c (Kompleks Pasar) Kar tasur, Solo, Jawa Tengah
Ps. Randu Dongkal Jl. Gatot Subroto No.42 Randudongkal Kab. Pemalang Jawa Tengah
Ps. Pur wodadi Jl. A. Yani No. 53 Kab. Pur wodadi Jawa Tengah
Ps. Sunggingan Jl. Pandanaran Sunggingan (Depan Ps Sunggingan) Boyolali Jawa Tengah
Ps. Margasari Belakang Pasar Margasari Jl. Bisma Kec. Margasari Jawa Tengah
Ps. Blora Jl. Gatot Subroto No. 1a -1b Kab Blora Jawa Tengah
Ps. Salatiga Pasaraya I Blok D No. 10 Salatiga Jawa Tengah
Ps. Cepu Jl. Megalrejo No.1 Depan Pasar Induk Cepu, Cepu Jawa Tengah
Ps. Simo Jl. Raya Ps Simo Rt.01 Rw.04 Kec. Simo Kab. Boyolali Jawa Tengah
Ps. Grobogan Wirosari Jl. Kh Ashari No. 1 Rt.01 Rw.04 Ds. Magersari, Kec. Wirosari Kab Grobogan, Jawa Tengah Ps. Lasem Jl. Raya Rembang - Lasem No.18a Blok N.1 Kec. Asem, Kab. Rembang Jawa Tengah Ps. Projo Ambarawa Jl. Jend Sudirman No. 69 Ambarawa Jawa Tengah Ps. Weleri Jl. Raya 252 Karangdowo Weleri Jawa Tengah Ps. Johar - Semarang Jl. Kh Agus Salim Komplek Scj Plasa Lt.1 / 11 Semarang Jawa Tengah Ps. Ungaran Komplek Jen Pasar Ungaran Pla za Blok A No.11 Kab. Ungaran Jawa Tengah Ps. Mranggen Jl. Raya Mranggen No.2 Kec.mranggen Kab. Demak Jawa Tengah Ps. Demak Jl. Kudus No. 4 Demak Jawa Tengah Ps. Peterongan Jl. Mt Har yono No.932 B Kodya Semarang Jawa Tengah
Ps. Pedan Jl. Raya Kampung Sewu No. 5 Klaten Jawa Tengah Ps. Sukoharjo Jl. Mayor Sunar yo 1 B Komplek Ps. Sukoharjo Jawa Tengah Ps. Gemolong Pasar Gemolong Jl. Sukowati Gemolong Sragen Jawa Tengah Ps. Legi Ruko Pasar Legi Jl. Selatan Pasar Legi No. 15 D Pasar Legi Solo, Jawa Tengah Ps. Sragen Jl. Wr Supratman No. 8 Sragen Jawa Tengah Ps. Wonogiri Jl. Jend Sudirman No. 129 Wonogiri Jawa Tengah Ps. Palur Jl. Raya Palur No. 17 Karanganyar Jawa Tengah Ps. Kadipolo Jl. Dr Rajiman No.289/4, Solo Jawa Tengah Ps. Ketanggungan Komp. Ruko Pasar Ketanggungan No. 14 Brebes Jawa Tengah Ps. Pagi Tegal Komp. Pasar Pagi Jl. A Yani Tegal Jawa Tengah
Ps. Karangayu Komp. Ruko Siliwangi Pla za Blok D3 Jl. Jend Sudirman No.187-189 Semarang Jawa Tengah
Ps. Banjaran Jl. Raya Selatan No. 35 Banjaran Adiwerna Banjaran, Tegal, Jawa Tengah
Ps. Langgar Jl. Kar tini No. 20 Semarang Jawa Tengah
Ps. Pagi Pemalang Komplek Pasar Pemalang Blok A No. 78 Pemalang Jawa Tengah
Ps. Gayamsari Komplek Ruko Gayamsari No.49 Jl. Brigjen Sudiar to, Semarang Jawa Tengah
Ps. Brebes Jl. A Yani No.12 Brebes Jawa Tengah
Ps. Delanggu Ps. Delanggu Jl. Stasiun No. 166 Klaten Jawa Tengah
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Ps. Petarukan Jl. Kar tini No.71 Rt.8 Rw.07 Kec. Petarukan Kab. Pemalang Jawa Tengah
Ps. Jatibarang - Tegal Jl. Pramuka No. 2 Kec. Jatibarang Kab. Tegal Jawa Tengah Ps. Beringharjo Pusat Perdagangan Beringharjo Centre Lt. 2 Kios C37-38, Ps. Beringharjo Jl. Ahmad Yani, Yogyakar ta Ps. Prawirotaman Jl. Parangtritis No. 115 C Kel. Brontokusuman Kec. Megangsan Ps. Prambanan Barat Pasar Prambanan Ledoksari Kel. Bokoharjo Kec. Prambanan Sleman Ps. Godean Depan Pasar Godean Sleman, Yogyakar ta Jawa Tengah Ps. Pakem Ps Pakem, Toko Podomoro Barat Jl. Kaliurang Km. 17 Sleman Jawa Tengah Ps. Bantul Mayongan Trimur ti Srandakan Pasar Bantul Kios Lt.1 Bantul, DI Yogyakar ta Jawa Tengah Ps. Wates Kulonprogo - Yogyakar ta Jl. Diponegoro 58 Depan Pasar Wates Kulon Progo, DI Yogyakar ta Ps. Wonosari Gunung Kidul - Yogyakar ta Jl. Brigjend Katamso 58 Wonosari DI Yogyakar ta
